Add new check if we're funder trying to add HTLC, keeping us
with enough extra funds to pay for another HTLC the peer might add.
We also need to adjust the spendable_msat calculation, and update
various tests which try to unbalance channels. We eliminate
the now-redundant test_channel_drainage entirely.
Changelog-Fixed: Corner case where channel could become unusable (https://github.com/lightningnetwork/lightning-rfc/issues/728)
Signed-off-by: Rusty Russell <rusty@rustcorp.com.au>