fix(creditline): creditline user-loan index lives in instance storage — unbounded growth bricks accounts and risks ledger-limit DoS #88 - #92

Node.js 20 is deprecated. The following actions target Node.js 20 but are being forced to run on Node.js 24: actions/cache@v4, actions/checkout@v4. For more information see: https://github.blog/changelog/2025-09-19-deprecation-of-node-20-on-github-actions-runners/