No longer create a default wallet. The default wallet will still be
loaded if it exists and not other wallets were specified (anywhere,
including settings.json, bitcoin.conf, and command line).
Tests are updated to be started with -wallet= if they need the default
wallet.
Added test to wallet_startup.py testing that no default wallet is
created and that it is loaded if it exists and no other wallets were
specified.
This maintains a persistent list of wallets stored in settings that will
automatically be loaded on startup. Being able to load a wallet automatically
on startup will be more useful in the GUI when the option to create wallets is
added in #15006, but it's reasonable to expose this feature by RPC as well.
