Merge #20365: wallettool: add parameter to create descriptors wallet

173cc9b7be335b5dd2cc1bb112dfa6ec5c13ec12 test: walettool create descriptors (Ivan Metlushko)
345e88eecf1b28607d5da3af38e19794a8a115ce wallettool: add param to create descriptors wallet (Ivan Metlushko)
6d3af3ab627096a824cb6a7ca1ebeddc7530361c wallettool: pass in DatabaseOptions into MakeWallet (Ivan Metlushko)

Pull request description:

  Rationale: expose and promote descriptor wallets in more places; make cli tool more consistent with `createwallet` rpc.

  Add `-descriptors` parameter which is off by default. When specified it will create a new descriptors wallet with sqlite backend, which is consistent with `createwallet` rpc.

  This PR is based on a suggestion from **ryanofsky** https://github.com/bitcoin/bitcoin/pull/19137#discussion_r516779603

  Example:
  ```
  $ ./src/bitcoin-wallet  -wallet=fewty -descriptors create
  Topping up keypool...
  Wallet info
  ===========
  Name: fewty
  Format: sqlite
  Descriptors: yes
  Encrypted: no
  HD (hd seed available): yes
  Keypool Size: 6000
  Transactions: 0
  Address Book: 0
  ```
  ```
  $ ./src/bitcoin-wallet  -wallet=fewty create
  Topping up keypool...
  Wallet info
  ===========
  Name: fewty
  Format: bdb
  Descriptors: no
  Encrypted: no
  HD (hd seed available): yes
  Keypool Size: 2000
  Transactions: 0
  Address Book: 0
  ```

ACKs for top commit:
  achow101:
    ACK 173cc9b7be335b5dd2cc1bb112dfa6ec5c13ec12
  ryanofsky:
    Code review ACK 173cc9b7be335b5dd2cc1bb112dfa6ec5c13ec12. This seems pretty nicely implemented now, with opportunities to clean up more and dedup later
  MarcoFalke:
    Concept ACK 173cc9b7be335b5dd2cc1bb112dfa6ec5c13ec12 🌠

Tree-SHA512: cc32ba336ff709de2707ee15f495b4617908e8700ede8401a58e894f44cda485c544d644023c9a6604d88a62db9d92152383ee2e8abf691688c25cf6e222c622

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