React Query hooks code possibly can be more simplified

Hi, June proposed that React Query hooks code possibly can be more simplified.

```
const rpcEndpoint = 'https://rpc.cosmos.directory/cosmoshub';

const { data: rpcClient } = useRpcClient({
rpcEndpoint,
options: {
enabled: !!rpcEndpoint,
},
});

//@ts-ignore
// const cosmosHooks = cosmos.ClientFactory.createRPCQueryHooks({ rpc: rpcClient })
const cosmosHooks = createRpcQueryHooks({ rpc: rpcClient });

const {
data: balance,
isSuccess: isBalanceLoaded,
isLoading: isFetchingBalance,
refetch: refetchBalance,
} = cosmosHooks.cosmos.bank.v1beta1.useBalance({
request: {
address: address || '',
denom: chainassets?.assets[0].base as string,
},
options: {
enabled: !!address && !!rpcClient,
// transform the returned balance into a BigNumber
select: ({ balance }) =>
new BigNumber(balance?.amount ?? 0).multipliedBy(
10 ** -COIN_DISPLAY_EXPONENT
),
},
});
```

Can we make this code less like:

```
const cosmosHooks = createRpcQueryHooks({ url: "https://rpc.cosmos.directory/cosmoshub" });

const {
data: balance,
isSuccess: isBalanceLoaded,
isLoading: isFetchingBalance,
refetch: refetchBalance,
} = cosmosHooks.cosmos.bank.v1beta1.useBalance({
request: {
address: address || '',
denom: chainassets?.assets[0].base as string,
},
options: {
enabled: !!address && !!rpcClient,
// transform the returned balance into a BigNumber
select: ({ balance }) =>
new BigNumber(balance?.amount ?? 0).multipliedBy(
10 ** -COIN_DISPLAY_EXPONENT
),
},
});
```

It needs createRpcQueryHooks also accepting url optionally to create RPC client by default.

We discuss the logic here.

Thanks!