Stateless offer and refund builder utilities

Stateless offer and refund builder utilities

Add utility functions to ChannelManager for creating OfferBuilder,
and RefundBuilder such that derived keys are used for the signing
pubkey and payer id, respectively. This allows for stateless
verification of any InvoiceRequest and Invoice messages.

Later, blinded paths can be included in the returned builders.

Also tracks future payments using the given PaymentId such that the
corresponding Invoice is paid only once.