Watch-only accounts are usually backed by an external hardware signer,
some of which require derivation paths to be populated for each relevant
input to sign.
Because of an incorrect test, it wasn't discovered that the scriptSig
field was being set on the unsigned TX inputs for a nested SegWit input.
This commit fixes the bug and also refactors the test so it would have
caught this specific bug.
To fix a bug where specifying multiple UTXOs that are by themselves
large enough to satisfy the output amount would lead to the rest of them
being added to fees, we need to provide the transaction author with a
constant list of UTXOs. If we didn't, the author would only consider one
input and calculate the change based on that alone. But since we'd add
all inputs to the PSBT, the rest of the amounts would go to fees.
To make it easy to show the user what change output was created (if any)
during the funding process, we return its index (or -1 if no change
output was created).
