v1.16: Fix - LoadedProgramType::Closed (backport of #31922)

[mergify]

This is an automatic backport of pull request #31922 done by Mergify.
Cherry-pick of 3f13cd3 has failed:

On branch mergify/bp/v1.16/pr-31922
Your branch is up to date with 'origin/v1.16'.

You are currently cherry-picking commit 3f13cd353.
  (fix conflicts and run "git cherry-pick --continue")
  (use "git cherry-pick --skip" to skip this patch)
  (use "git cherry-pick --abort" to cancel the cherry-pick operation)

Changes to be committed:
	modified:   ledger-tool/src/program.rs
	modified:   runtime/src/bank.rs
	modified:   runtime/src/bank/tests.rs

Unmerged paths:
  (use "git add <file>..." to mark resolution)
	both modified:   runtime/src/accounts.rs

To fix up this pull request, you can check it out locally. See documentation: https://docs.github.com/en/github/collaborating-with-pull-requests/reviewing-changes-in-pull-requests/checking-out-pull-requests-locally

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[codecov]

Codecov Report

Merging #32030 (2f54ee9) into v1.16 (bf789b6) will decrease coverage by 0.1%.
The diff coverage is 75.4%.

@@            Coverage Diff            @@
##            v1.16   #32030     +/-   ##
=========================================
- Coverage    81.9%    81.8%   -0.1%     
=========================================
  Files         759      759             
  Lines      207408   207416      +8     
=========================================
+ Hits       169869   169873      +4     
- Misses      37539    37543      +4