Pavel Zbitskiy

I guess this includes implementing rate limiting functionality like existing `phonebookImpl` has (used to rate limit outgoing HTTP queries).

I added more usage of phonebook methods in https://github.com/algorand/go-algorand/pull/5935 but the interfaces a bit diverged because of the address: string vs AddrInfo.

but `TestCheckSpender` still in ledger/apply - mb move to data/transaction and it will match

Moved the test and rebased.

Please fix some `start` usage in tests

Fixed in https://github.com/karalabe/usb/pull/33, probably need to tag + release v0.0.3