Limit frequency at which an account can attempt new payment, especially over failed lightning payment.

[nicolasburtey]

the idea would be to prevent someone to do a jam channel attack, by sending 100 or 1000 of payments to a node that would not validate the payment (using holdinvoice for instance)

[nicolasburtey]

stale PR that is worth looking at: https://github.com/GaloyMoney/galoy/pull/148