fix: htlc refund handler to use performGenericWalletChecks (+ fix e2e tests)

[air1one]

HTLC refund handler needs to use performGenericWalletChecks just like claim handler.

Also fixed e2e tests (needed to give a bit more expiration time for htlc lock txs).

What kind of change does this PR introduce?

• Bugfix
• Feature
• Refactor
• Performance
• Tests
• Build
• Documentation
• Code style update
• Continuous Integration
• Other, please describe:

Does this PR introduce a breaking change?

• Yes
• No

Does this PR release a new version?

• Yes
• No

If yes, please describe the impact and migration path for existing applications:

The PR fulfills these requirements:

• It's submitted to the develop branch, not the master branch
• All tests are passing
• New/updated tests are included

If adding a new feature, the PR's description includes:

• A convincing reason for adding this feature (to avoid wasting your time, it's best to open a suggestion issue first and wait for approval before working on it)