fix: intercept self hold payments based on invoice rather than payment hash

[rolznz]

This PR also fixes a bug where we will fail saying the invoice has already been paid (I think would block wrapped invoices working with LND right now)

TODOs

• undo expiry hack and regenerate invoices
• test in sandbox locally (both wrapped and normal HOLD invoices)
• test with LND (Polar - tested with JS SDK: chore: add example for wrapped invoices js-sdk#529)
• test standard HOLD invoices with LDK (Mutinynet) NOTE: wrapped invoices are not supported yet by LDK-Node.
• test keysend self-payments

Follow ups - move to new issue:

• update Alby Hub to support setting the min_final_cltv_expiry_delta via nwc (needs exposing in our ldk node fork) - moved to Fully Implement NWC HOLD invoices spec #2065

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• Commit unit tests in branch fix/self-payments-wrapped-invoice

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[rolznz]

@im-adithya @frnandu in the latest version of Polar (LND v20) payments were failing until I set a timeout seconds (which should have been set anyway. I set it to 50s)