Fix wrong account config alert

[nesitor]

Wrong account config alert where shown loading the default account:

This PR fixes that wrong warning message.

[github-actions]

Summary:
The PR involves a significant change in the logic for loading accounts, particularly in how the chain and account type are determined. The new logic includes defaulting to a chain if no configuration is found and ensures consistency in the use of chain information across different parts of the code. This change could potentially affect the behavior of the application, especially if the chain information is crucial for operations.

Highlighting:

• Changes in the logic for determining the chain and account type, including defaulting behavior.
• Potential impact on the application's behavior if the chain information is used in critical operations.

This categorization is based on the potential for introducing bugs or requiring deep understanding of the project architecture, which aligns with the 'BLACK' complexity level.

[philogicae]

LGTM