refactor and optimize `collect_accounts_for_store` (#2333) #8317

Job	Run time
cargo-test-sbf (token/program)	9m 34s
cargo-test-sbf (instruction-padding/program, token/program-2022, token/program-2022-test)	17m 14s
check	2m 16s
cargo-test-sbf (associated-token-account/program, associated-token-account/program-test)	10m 44s
test (token/cli, token/program, token/program-2022, associated-token-account/program, instruction...	17m 32s
cargo-test-sbf (token-upgrade/program)	10m 29s
test (single-pool/cli, single-pool/program)	17m 35s
cargo-test-sbf (feature-proposal/program)	9m 0s
test (token-upgrade/cli, token-upgrade/program)	16m 40s
cargo-test-sbf (governance/addin-mock/program, governance/program)	11m 23s
cargo-test-sbf (memo/program)	6m 59s
cargo-test-sbf (name-service/program)	7m 5s
cargo-test-sbf (stake-pool/program)	11m 25s
cargo-test-sbf (single-pool/program)	9m 32s
	2h 37m 28s

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