Support a "no_server" flag in test config.

* Will use a running instance of rippled (possibly in a debugger).
* Modify all tests to respect the server_default value.
* Fail test if new account already exists and has a balance.
* README.md with instructions for advanced test debugging, particularly using no_server.

Reviewers @sublimator, @rec. Optional @wltsmrz.
Added some comments explaining what is going on here, particularly with creating the account on error. That is intentional.