fees get paid even opening tx for swap fails

I just created a swap with strike and got an error message from their side:

```
2024/10/28 20:25:21 [INFO] [Swap:8b981107d39e60899a93ee06b99ad32a327a38e557949a892bc15860c8d95bae] Start new swap-out: peer: 03c8e5f583585cac1de2b7503a6ccd3c12ba477cfd139cd4905be504c2f48e86bd chanId: 836614:>
2024/10/28 20:25:24 [INFO] [Swap:8b981107d39e60899a93ee06b99ad32a327a38e557949a892bc15860c8d95bae] Paid Feeinvoice of 300 sats
2024/10/28 20:25:24 [INFO] [Swap:8b981107d39e60899a93ee06b99ad32a327a38e557949a892bc15860c8d95bae] Swap canceled. Reason: -13:Error: Please enter the wallet passphrase with walletpassphrase first.
2024/10/28 20:25:24 [INFO] [Swap:8b981107d39e60899a93ee06b99ad32a327a38e557949a892bc15860c8d95bae] Warning: Paid swap-out prepayment, but swap canceled before receiving opening transaction

```

this already happend in the past but I didnt realize it that time, now I see theres defintiv a bug, or a missbevavior as ps shouldnt pay fees if the swap might fail.

PS probably needs a pre-check to validate that the swap would work.

maybe @Impa10r and @zapomatic can explain it better, because they also experience this bug already.