Currently, channel balances may be rather easily discovered through
probing. This however poses a privacy risk, since the analysis of
balance changes over adjacent channels could in the worst case empower an adversary to
mount an end-to-end deanonymization attack, i.e., track who payed whom.
The penalty added here is applied so we prefer nodes with a smaller `htlc_maximum_msat`, which makes
balance discovery attacks harder to execute. As this improves privacy network-wide, we
treat such nodes preferentially and hence create an incentive to restrict
`htlc_maximum_msat`.