* transfer now requires --allow-unfunded-recipient if the recipient doesn't exist
(cherry picked from commit 3dff5c9dee)
* Avoid RPC in `--sign-only` mode
Co-authored-by: Trent Nelson <trent.a.b.nelson@gmail.com>
(cherry picked from commit 6271665ba6)
Co-authored-by: Michael Vines <mvines@gmail.com>