[BUG] NewBUMPFromMerkleTreeAndIndex panics when index out of range

[boecklim]

Describe the bug

Currently the function NewBUMPFromMerkleTreeAndIndex() panics if index is out of range.

To Reproduce
Run the following test

func TestNewBUMPFromMerkleTreeAndIndex(t *testing.T) {
	t.Run("index out of range", func(t *testing.T) {
		_, _ = bc.NewBUMPFromMerkleTreeAndIndex(1, []*chainhash.Hash{{}}, 4)
	})
}

Expected behavior
Function NewBUMPFromMerkleTreeAndIndex() validates the input and returns an error with descriptive error message, thereby avoiding any possible panics from happening in the function.

System Information (please complete the following information):

• Go version: 1.22.5
• go-bc version: github.com/libsv/go-bc v0.1.29