fix(settlement): use block descriptors as source of truth for blocks to apply

[srene]

PR Standards

Opening a pull request should be able to meet the following requirements

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PR naming convention: https://hackmd.io/@nZpxHZ0CT7O5ngTp0TP9mg/HJP_jrm7A

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Close #1169

<-- Briefly describe the content of this pull request -->

For Author:

• Targeted PR against correct branch
• included the correct type prefix in the PR title
• Linked to Github issue with discussion and accepted design
• Targets only one github issue
• Wrote unit and integration tests
• All CI checks have passed
• Added relevant godoc comments

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For Reviewer:

• confirmed the correct type prefix in the PR title
• Reviewers assigned
• confirmed all author checklist items have been addressed

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After reviewer approval:

• In case targets main branch, PR should be squashed and merged.
• In case PR targets a release branch, PR should be rebased.

[omritoptix]

approved with small suggestion

possible problem with block index