ui: (bonds) improve penalty compensation UX

[norwnd]

First, I think bond Auto renew toggle should be on by default (simply because this targets the widest user-base, the minority should do the work - not the majority), but regardless

I think it would be better for Penalties Comps to be a toggle (and not a number) that is also on whenever Auto renew toggle is on with 1 exception being:

• when user hits penalty threshold often (I would say if he hits it 3 times consecutively) he should be notified about it, probably to the point of turning Penalties Comps toggle to off so that user will have to re-enable it manually in settings (acknowledging he knows what's happening)

The reason for Penalties Comps to be a toggle is so it is managed automatically without user knowing about it until it's clear he should look into it,

but also here is a list of issues with Penalties Comps being a number (at least the way it's currently implemented):

• it's not entirely clear what number to input (or what would happen if you enter a value lower/higher than what Penalties show)
• it doesn't persist the value entered always resetting it to 0 (I set it to 1, and now it's 0), so I have no way to tell whether I'm compensating for penalties or not (unless maybe I'm trying to subtract target-actual tier, but the values might not add up when the bond is being posted I guess too)
• and the input field itself is kind of janky / hard to work with (I guess you have not only input number in there but also hit Enter?)

[JoeGruffins]

it doesn't persist the value entered always resetting it to 0

This was a bug should be fixed in #3188