fix: gains funding precision 1e21 (1000x correction) - #2113
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* fix: Gains USDC collateral array index (2 not 3) * feat: fallback Gains funding estimate when API returns zero * fix: gains funding precision 1e21 not 1e18 (1000x correction)
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lastFundingRatePerSecondPuses 1e21 precision, not 1e18. Was causing Gains funding estimates to be 1000x too high in crossSim projections and the fallback estimation.Verified empirically: HL BTC funding = 4.51e-10/sec; Gains BTC at 1e21 = 4.47e-10/sec (within 1%). At 1e18 it was 4.47e-7/sec (990x off).