Improve error message on failed fee payment

[grarco]

Describe your changes

Closes #4262.

This PR tries to improve the error message we emit in case of a failed masp fee payment by better explaining the logic applied by the protocol

Checklist before merging

• If this PR has some consensus breaking changes, I added the corresponding breaking:: labels
  • This will require 2 reviewers to approve the changes
• If this PR requires changes to the docs or specs, a corresponding PR is opened in the namada-docs repo
  • Relevant PR if applies:
• If this PR affects services such as namada-indexer or namada-masp-indexer, a corresponding PR is opened in that repo
  • Relevant PR if applies:

[codecov]

Codecov Report

Attention: Patch coverage is 78.94737% with 8 lines in your changes missing coverage. Please review.

Project coverage is 74.02%. Comparing base (80223b3) to head (25d2e92).
Report is 13 commits behind head on main.

Files with missing lines	Patch %	Lines
crates/node/src/protocol.rs	76.47%	8 Missing ⚠️

Additional details and impacted files

@@           Coverage Diff           @@
##             main    #4271   +/-   ##
=======================================
  Coverage   74.02%   74.02%           
=======================================
  Files         345      345           
  Lines      109920   109943   +23     
=======================================
+ Hits        81367    81390   +23     
  Misses      28553    28553           

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