fix(web): remove isLoaded check from ensureFolderRegistered guard

[FSM1]

Summary

• The isLoaded flag in the ensureFolderRegistered guard (added in PR feat: extract core crypto SDK as shared packages #296 review fixes) was too strict — it's not set in all code paths (e.g., SDK-created folders, root folder after vault init)
• This caused ensureFolderRegistered to silently skip registration, leading to "Folder not loaded" errors on upload/create operations
• The guard now only checks for empty key material (folderKey.length === 0 || ipnsPrivateKey.length === 0), which is the actual safety condition

Test plan

• E2E tests pass — upload, folder creation, and other mutations no longer fail with "Folder not loaded"

🤖 Generated with Claude Code

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ℹ️ Review info

⚙️ Run configuration

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Review profile: CHILL

Plan: Pro

Run ID: 6b5edd5f-4843-4cf3-83c3-f50d3a575014

📥 Commits

Reviewing files that changed from the base of the PR and between eb2e3df and 80e4bcf.

📒 Files selected for processing (1)

• apps/web/src/lib/sdk-provider.ts

✨ Finishing Touches

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Commit unit tests in branch fix/folder-registration-guard

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