fix: ensure TxFactory has acc & seq fields when simulating tx in generate-only mode (backport #11313)

[mergify]

This is an automatic backport of pull request #11313 done by Mergify.
Cherry-pick of 0a7ad01 has failed:

On branch mergify/bp/release/v0.45.x/pr-11313
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Changes to be committed:
	modified:   CHANGELOG.md

Unmerged paths:
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	both modified:   client/tx/factory.go

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[alexanderbez]

Is BuildUnsignedTx on 0.45.x?

[tac0turtle]

seems like it is, just in a different location

[alexanderbez]

@clevinson could you address the conflicts here?

[tac0turtle]

this requires some other changes to get it through. I think we should close this instead of back porting other things