issue #10831: added --with-memo option to all cli commands that submit (#16291)

* issue #10831: added --with-memo option to all cli commands that submit
transactions.  Also, improve the block command to show UTF-8 string instead
of integer values for memo program data.

* Fixed tests and changed some syntax according to feedback.

* Use spl_memo id (all versions where applicable) instead of hardcoding id.

* Update Cargo.toml in programs/bpf.

* Update formatting via cargo fmt.

* Update to use spl_memo version 3.0.1, which simplifies package imports

cli/src/memo.rs

@@ -0,0 +1,22 @@
+use solana_sdk::instruction::Instruction;
+use solana_sdk::pubkey::Pubkey;
+use spl_memo::id;
+
+pub trait WithMemo {
+    fn with_memo<T: AsRef<str>>(self, memo: Option<T>) -> Self;
+}
+
+impl WithMemo for Vec<Instruction> {
+    fn with_memo<T: AsRef<str>>(mut self, memo: Option<T>) -> Self {
+        if let Some(memo) = &memo {
+            let memo = memo.as_ref();
+            let memo_ix = Instruction {
+                program_id: Pubkey::new(&id().to_bytes()),
+                accounts: vec![],
+                data: memo.as_bytes().to_vec(),
+            };
+            self.push(memo_ix);
+        }
+        self
+    }
+}