swaps fail if token account does not exist

[wphan]

observed behavior: If user attempts to swap from a token which they don't have a token account for, the tx fails with:

[2025-12-29T02:24:07Z DEBUG gateway] request: SwapRequest { amount: 0.001, exact_in: true, input_market: 17, output_market: 1, slippage_bps: 30, use_direct_routes: None, exclude_dexes: None }

...

[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client] -32002 Transaction simulation failed: Error processing Instruction 1: custom program error: 0xbc4
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   1: Program ComputeBudget111111111111111111111111111111 invoke [1]
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   2: Program ComputeBudget111111111111111111111111111111 success
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   3: Program dRiftyHA39MWEi3m9aunc5MzRF1JYuBsbn6VPcn33UH invoke [1]
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   4: Program log: Instruction: BeginSwap
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   5: Program log: AnchorError caused by account: in_token_account. Error Code: AccountNotInitialized. Error Number: 3012. Error Message: The program expected this account to be already initialized.
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   6: Program dRiftyHA39MWEi3m9aunc5MzRF1JYuBsbn6VPcn33UH consumed 13297 of 602850 compute units
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client]   7: Program dRiftyHA39MWEi3m9aunc5MzRF1JYuBsbn6VPcn33UH failed: custom program error: 0xbc4
[2025-12-29T02:24:07Z DEBUG solana_rpc_client::nonblocking::rpc_client] 

expected behavior: gateway should initialize that account in the same tx as the swap tx (prepend a createAccount ix)