Penalize large HTLCs relative to channels in default `Scorer`

Penalize large HTLCs relative to channels in default `Scorer`

Sending HTLCs which are any greater than a very small fraction of the
channel size tend to fail at a much higher rate. Thus, by default
we start applying a penalty at only 1/8th the channel size and
increase it linearly as the amount reaches the channel's capacity,
20 msat per 1024th of the channel capacity.