fix: Handle fatal db error on load_account #2697

Job	Run time
check no-default-features	20s
check std	15s
check serde	16s
test no_std	25s
test stable --no-default-features	43s
test stable	1m 2s
test stable --all-features	1m 10s
test beta --no-default-features	45s
test beta	49s
clippy	50s
test beta --all-features	1m 8s
docs	1m 25s
test nightly --no-default-features	45s
fmt	12s
test nightly	50s
test nightly --all-features	1m 8s
	12m 3s

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