txHandler: use txn.Access data when calculating app usage rates

[algorandskiy]

Summary

While adding txn.Access in #6286 we've forgot to update txHandler and its ARL app counting logic. This PR fixes that.

Test Plan

Added a unit test

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 47.68%. Comparing base (13169aa) to head (e544b78).
⚠️ Report is 2 commits behind head on master.
✅ All tests successful. No failed tests found.

Additional details and impacted files

@@            Coverage Diff             @@
##           master    #6531      +/-   ##
==========================================
- Coverage   47.87%   47.68%   -0.20%     
==========================================
  Files         662      655       -7     
  Lines       87955    87871      -84     
==========================================
- Hits        42110    41897     -213     
- Misses      43083    43198     +115     
- Partials     2762     2776      +14     

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