Slimmer implementation of credit-only accounts (#4592)

* Add credit-only debit/data check to verify_instruction

* Store credits and pass to accounts_db

* Add InstructionErrors and tests

* Relax account locks for credit-only accounts

* Collect credit-only account credits before passing to accounts_db to store properly

* Convert System Transfer  accounts to credit-only, and fixup test

* Functionalize collect_accounts to unit test

* Review comments

* Rebase

sdk/src/system_instruction.rs

@@ -90,7 +90,7 @@ pub fn assign(from_pubkey: &Pubkey, program_id: &Pubkey) -> Instruction {
 pub fn transfer(from_pubkey: &Pubkey, to_pubkey: &Pubkey, lamports: u64) -> Instruction {
     let account_metas = vec![
         AccountMeta::new(*from_pubkey, true),
-        AccountMeta::new(*to_pubkey, false),
+        AccountMeta::new_credit_only(*to_pubkey, false),
     ];
     Instruction::new(
         system_program::id(),