feat(state): SubmitPayForBlob should detect timed out waiting for tx to be included in a block

[vgonkivs]

There is a use case when we can get timed out waiting for tx to be included in a block from core/app. This error means that the block is full but the tx is not paying enough fee to get in. This error can be confusing for the user, so instead of returning it, we can:

1. Convert to ErrInsufficientFee(in case the user passed fee and gas limit as options)
2. Increase the fee and try to re-submit the tx(in case the user uses DefaultSumitOptions and we calculate fee and gas limit on our side)