feat: adding ibc quota v2

[gsk967]

Description

We are allowing OUTFLOW IBC Transfers when either

• Sum of all outflows of all tokens <= $1.6M
• or Sum of all outflows of all tokens <= $1M + params.TotalInflowQuota * Sum of all inflows

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Author Checklist

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I have...

• included the correct type prefix in the PR title
• added ! to the type prefix if API or client breaking change
• added appropriate labels to the PR
• targeted the correct branch (see PR Targeting)
• provided a link to the relevant issue or specification
• added a changelog entry to CHANGELOG.md
• included comments for documenting Go code
• updated the relevant documentation or specification
• reviewed "Files changed" and left comments if necessary
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Reviewers Checklist

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I have...

• confirmed the correct type prefix in the PR title
• confirmed all author checklist items have been addressed
• reviewed state machine logic
• reviewed API design and naming
• reviewed documentation is accurate
• reviewed tests and test coverage
• manually tested (if applicable)

[codecov]

Codecov Report

Merging #2296 (19aea15) into main (7f05ad4) will decrease coverage by 4.96%.
Report is 292 commits behind head on main.
The diff coverage is 66.08%.

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #2296      +/-   ##
==========================================
- Coverage   75.38%   70.43%   -4.96%     
==========================================
  Files         100      171      +71     
  Lines        8025    12973    +4948     
==========================================
+ Hits         6050     9137    +3087     
- Misses       1589     3225    +1636     
- Partials      386      611     +225     

Files	Coverage Δ
ante/ante.go	66.66% <100.00%> (+18.45%)	⬆️
ante/fee.go	80.00% <100.00%> (+1.64%)	⬆️
ante/spam_prevention.go	75.92% <ø> (ø)
app/inflation/inflation.go	100.00% <100.00%> (ø)
app/upgradev3/migrations.go	84.21% <ø> (+5.94%)	⬆️
util/coin/utoken.go	100.00% <100.00%> (ø)
util/ibc/ibc.go	58.82% <ø> (ø)
util/sdkutil/events.go	0.00% <ø> (ø)
util/store/store.go	52.06% <ø> (+10.65%)	⬆️
util/store/unmarshal.go	42.85% <ø> (ø)
... and 40 more

... and 104 files with indirect coverage changes

[robert-zaremba]

upgrade handler is missing. Can be done in a new PR -> in such case, please make a comment here and create a new task.

[robert-zaremba]

Docs have to be updated as well: https://github.com/umee-network/umee/blob/main/x/uibc/README.md?plain=1#L27

[robert-zaremba]

• let's don't close a comment without updating the code or responding
• few other comments are still not resolved
• test is missing
• error check is missing