erc20Abi only if you read balanceOf / allowance yourself.
User
Get balances
Read collateral and ERC-20 balances for a wallet.
You want live USDC and other ERC-20 balances for a wallet, read from the chain. These are not remaining Yes or No on the indexer, and not liquidity lots. They live on the client, not on the user handle.
Do not mix these with share positions or LP positions. High-level methods already encode approvals; use