fix: restore examples CI reliability

[dhruvja]

Fix examples CI by correcting roll-dice formatting and lockfiles, updating eSPL to SDK 0.16.2, and documenting the optional submodule; validator funding remains covered by #123.

[coderabbitai]

Walkthrough

The PR documents optional submodule setup, adds a funded validator account preload, updates the Ephemeral Rollups SDK version, and reformats roll-result code and tests without changing behavior.

Changes

Example maintenance

Layer / File(s)	Summary
Funded validator account preload scripts/test-locally.sh, scripts/fixtures/accounts/magicblock-validator-funded.json	The local test script validates and preloads a funded validator account fixture.
Ephemeral Rollups SDK version alignment spl-tokens/anchor/app/package.json, spl-tokens/anchor/package.json	Both package manifests use @magicblock-labs/ephemeral-rollups-sdk version 0.16.2.
Roll-result formatting updates roll-dice/anchor/app/lib/roll-result.ts, roll-dice/anchor/app/lib/roll-result.test.ts	The implementation and tests receive formatting-only changes. Existing behavior and assertions remain unchanged.
Optional submodule clone instructions README.md	The README documents initialization of the optional private-payments submodule and notes that other examples do not require it.

Estimated code review effort: 2 (Simple) | ~10 minutes

Suggested reviewers: sporicle

🚥 Pre-merge checks | ✅ 5

✅ Passed checks (5 passed)

Check name	Status	Explanation
Docstring Coverage	✅ Passed	No functions found in the changed files to evaluate docstring coverage. Skipping docstring coverage check.
Linked Issues check	✅ Passed	Check skipped because no linked issues were found for this pull request.
Out of Scope Changes check	✅ Passed	Check skipped because no linked issues were found for this pull request.
Description Check	✅ Passed	Check skipped - CodeRabbit’s high-level summary is enabled.
Title check	✅ Passed	The title clearly and concisely describes the pull request's primary goal of restoring CI reliability for the examples.

✨ Finishing Touches 💡 1

🛠️ Fix failing CI checks 💡

• Create stacked PR
• Commit on current branch

📝 Generate docstrings

• Create stacked PR
• Commit on current branch

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Commit unit tests in branch dhruvja/fix/phase-02-examples

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