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.

Tentative reviewers @sublimator, @vinniefalco.
Maybe what he's saying is that people who don't use a debugger when diagnosing problems will get punished with a time out in the corner? That's actually not a bad idea.