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.
Weird indentation on these next two lines... check elsewhere in this file or directory for examples.

Also, our javascript seems to prefer much longer line lengths than C++ - why not put these on one line?