Fix pay-to-self Accounts bug (#2682)

* Add failing tests

* Fix tests

* Plumb AccountLoadedTwice error

* Fixup budget cancel actions to not depend on duplicate accounts

* Use has_duplicates

* Update budget-based golden

sdk/src/budget_transaction.rs

@@ -85,9 +85,13 @@ impl BudgetTransaction {
         last_id: Hash,
     ) -> Transaction {
         let instruction = Instruction::ApplySignature;
+        let mut keys = vec![contract];
+        if from_keypair.pubkey() != to {
+            keys.push(to);
+        }
         Transaction::new(
             from_keypair,
-            &[contract, to],
+            &keys,
             budget_program::id(),
             &instruction,
             last_id,