Move change calculus to coin_select

The former way to compute and create change was inside `create_tx`, just after
performing coin selection.
It blocked the opportunity to have an "ensemble" algorithm to decide between
multiple coin selection algorithms based on a metric, like Waste.

Now, change isn't created inside `coin_select` but the change amount and the
possibility to create change is decided inside the `coin_select` method. In
this way, change is associated with the coin selection algorithm that generated
it, and a method to decide between them can be implemented.

Author: csralvall