[backups] Automatic backups basics

- allow to do automatic backups when keypool gets refilled
- by default backups are turned off
- by default only encrypted wallets are allowed for backup (configurable)

This could be the basic for later adding backup possibilities for Bitcoin-Qt including visual elements for latest and amount of backups as also validity-check-display of backup files.
So I need to specify two options to enable backups (assuming an unencrypted wallet)? Why?