Fix note checker

Our current [note checker](https://github.com/0xMiden/miden-base/blob/753fb1c9a24bad4dc891bc784a635ba5089c2c99/crates/miden-standards/src/note/mod.rs#L202) has a bug: `reclaim_height == 0` is considered as if the note could be always reclaimed, while in fact that means that the reclaim is disabled, so the note could never be reclaimed.

We should fix this bug and update our tests to check this scenario.

For more detailed explanation see [this discussion](https://github.com/0xMiden/miden-base/pull/2389#discussion_r2794376630).