Fix: Add proper error handling for file read errors in load_file()

[prjanitor]

Problem

The load_file() function in storage.rs was using .unwrap_or_default() to silently ignore file read errors. This could hide critical issues such as:

• Missing seed_notes.yml file
• Permission errors
• Corrupted files

This made debugging difficult and could lead to unexpected behavior when the notes file was missing or inaccessible.

Solution

Changed .unwrap_or_default() to .expect("seed_notes.yml file must exist and be readable") to properly surface file read errors with a descriptive error message. This ensures that:

1. Missing files are detected immediately
2. Permission errors are reported
3. Debugging is easier with clear error messages

Testing

The fix ensures that any file read error will now cause the program to panic with a clear error message, making it easier to identify and resolve issues with the seed notes file.

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[gnesher]

Closing this PR -- after a closer review, we believe this change isn't correct. Apologies for the noise; we're still ironing out some kinks in our automated flow. Thanks for your patience!