add Betterment specific config (innodb, utf8mb4, collation, init-handlers)
allow user creation at time of database creation.

I'm not sure if this is the best place to do this, but for now it'll work.
removed spurious $ tokens from manifest AND spec.
spec for user deletion and add/del user for localhost access

this may not be the best way to do this. having spaces (space aware) rspec expectations doesn't seem that nice.
correct permission grants
test the injection of password as well