fix: route token-aware setBudget hook payload

[tsubasakong]

Summary

• route BaseACPHook setBudget callbacks using ACP's token-aware payload
• update BiddingHook and FundTransferHook to match the token-aware callback signature

Why

• ACP core encodes setBudget hook data as abi.encode(caller, token, amount, optParams), but BaseACPHook still decoded the older payload shape
• split this foundational fix out of feat: add UnderwritingHook #16 so it can be reviewed independently from the underwriting workflow scaffold

Test Plan

• forge build