FNet3 proto

[tasosbit]

PR against dev/experimental-incentives for users wanting to build the current FNet client from the official repo

• proto change: disables challenges; without heartbeats, participating accounts can be evicted unfairly.
• fixes the vFuture values as vFnet1/2 by values rather than reference/copy, which was something on the TODO list per this discussion
• goal wallet new -n non interactive wallet creation. Standalone PR against master
• goal wallet rename old new wallet renaming. Standalone PR against master

[codecov]

Codecov Report

Attention: Patch coverage is 34.92063% with 41 lines in your changes missing coverage. Please review.

Project coverage is 56.23%. Comparing base (471d206) to head (fdec56b).
Report is 12 commits behind head on dev/experimental-incentives.

Files with missing lines	Patch %	Lines
cmd/goal/wallet.go	5.71%	33 Missing ⚠️
libgoal/wallets.go	0.00%	8 Missing ⚠️

Additional details and impacted files

@@                       Coverage Diff                       @@
##           dev/experimental-incentives    #6162      +/-   ##
===============================================================
+ Coverage                        56.20%   56.23%   +0.02%     
===============================================================
  Files                              494      494              
  Lines                            69961    70015      +54     
===============================================================
+ Hits                             39323    39373      +50     
- Misses                           27962    27970       +8     
+ Partials                          2676     2672       -4     

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