We don't actually implement closing when we have HTLCs (we should
allow it, as that's what the clearing phase is for), since soon we'll
rewrite HTLC to match the async HTLC protocol of BOLT #2.
Note that this folds the close paths, using a simple check if we have
a close transaction. That's a slight state layer violation, but
reduces code duplication.
Signed-off-by: Rusty Russell <rusty@rustcorp.com.au>