Consider not providing default options for payload creation

[souradeep-das]

const callDataReq = aaInstance.interface.encodeFunctionData('execute', [
      (transaction as any).payload.to ?? ethers.ZeroAddress,
      (transaction as any).payload.value ?? '0x00',
      (transaction as any).payload.data ?? ethers.ZeroHash,
    ]);

the callData creation currently provides defaults when the attributes do not exist on the payload provided by the front-end. Verify and check if defaults can be avoided to prevent potential user side issues