clean scan optimization: scan disk index only for zero lamport #10690

Job	Run time
cargo-test-sbf (token/program)	10m 21s
cargo-test-sbf (instruction-padding/program, token/program-2022, token/program-2022-test)	15m 59s
check	5m 2s
cargo-test-sbf (associated-token-account/program, associated-token-account/program-test)	12m 0s
test (token/cli, token/program, token/program-2022, associated-token-account/program, instruction...	20m 41s
cargo-test-sbf (token-upgrade/program)	11m 45s
cargo-test-sbf (feature-proposal/program)	10m 57s
test (single-pool/cli, single-pool/program)	19m 24s
test (token-upgrade/cli, token-upgrade/program)	17m 37s
cargo-test-sbf (governance/addin-mock/program, governance/program)	12m 56s
cargo-test-sbf (memo/program)	9m 41s
cargo-test-sbf (name-service/program)	11m 5s
cargo-test-sbf (stake-pool/program)	14m 16s
cargo-test-sbf (single-pool/program)	9m 37s
	3h 1m 21s

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