message: always use local fallback if CM creation fails
diff: @@ -84,8 +84,7 @@ export const useUserSettings = <T>(
  if (err?.response?.status === 403 || err?.response?.status === 404) {
  setFallbackLocalStorage(true);
  } else {
  - setSettings(defaultValueRef.current);
  - setLoaded(true);
  + throw err;
  }
  }
  })();
  