Bis2012 refactor api stubbing

This change is mostly for https://podio.com/bitzesty/bis-phase-2/apps/stories/items/12

Refactors tests to use Faraday adapter instead of VCR. VCR is hard to maintain and depends on each developers Scheme API state. We could have added additional environment to backend which loads up with preset seeded values and used it, but this approach seems simpler to maintain.