refactor and optimize `collect_accounts_for_store` #8274

Job	Run time
cargo-test-sbf (token/program)	10m 37s
check	2m 56s
cargo-test-sbf (instruction-padding/program, token/program-2022, token/program-2022-test)	15m 18s
test (token/cli, token/program, token/program-2022, associated-token-account/program, instruction...	16m 0s
cargo-test-sbf (associated-token-account/program, associated-token-account/program-test)	10m 5s
test (single-pool/cli, single-pool/program)	15m 45s
test (token-upgrade/cli, token-upgrade/program)	14m 7s
cargo-test-sbf (token-upgrade/program)	9m 36s
cargo-test-sbf (feature-proposal/program)	7m 32s
cargo-test-sbf (governance/addin-mock/program, governance/program)	11m 51s
cargo-test-sbf (memo/program)	7m 49s
cargo-test-sbf (name-service/program)	9m 27s
cargo-test-sbf (stake-pool/program)	14m 27s
cargo-test-sbf (single-pool/program)	8m 21s
	2h 33m 51s

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