Expose an event when a payment has failed and retries complete

Expose an event when a payment has failed and retries complete

When a payment fails, a payer needs to know when they can consider
a payment as fully-failed, and when only some of the HTLCs in the
payment have failed. This isn't possible with the current event
scheme, as discovered recently and as described in the previous
commit.

This adds a new event which describes when a payment is fully and
irrevocably failed, generating it only after the payment has
expired or been marked as expired with
`ChannelManager::mark_retries_exceeded` *and* all HTLCs for it
have failed. With this, a payer can more simply deduce when a
payment has failed and use that to remove payment state or
finalize a payment failure.