fix: add missing is_fee_charge_disabled check

[mattsse]

#2980 followup that also adds the check to the reimbursment.

and also only applies this after loading the l1info for good measure, just in case

cc @ngotchac

TODO

• this needs some sanity tests

[codspeed-hq]

CodSpeed Performance Report

Merging #3007 will not alter performance

_{Comparing mattsse:matt/complete-operator-fee-charge-excemption (b9f632a) with main (4cb0230)}

Summary

✅ 173 untouched

[ngotchac]

Arf, sorry I missed that! Thx for the fix

[rakita]

Good find