[policy] lower default minrelaytxfee and incrementalrelayfee to 100sat/kvB

Let's say an attacker wants to use/exhaust the network's bandwidth, and
has the choice between renting resources from a commercial provider and
getting the network to "spam" itself it by sending unconfirmed
transactions. We'd like the latter to be more expensive than the former.

The bandwidth for relaying a transaction across the network is roughly
its serialized size (plus relay overhead) x number of nodes. A 1000vB
transaction is 1000-4000B serialized. With 100k nodes, that's 0.1-0.4GB
If the going rate for commercial services is 10c/GB, that's like 1-4c per kvB
of transaction data, so a 1000vB transaction should pay at least $0.04.

At a price of 120k USD/BTC, 100sat is about $0.12. This price allows us
to tolerate a large decrease in the conversion rate or increase in the
number of nodes.

test/functional/feature_rbf.py

@@ -585,7 +585,7 @@ class ReplaceByFeeTest(BitcoinTestFramework):
 
         # Higher fee, higher feerate, different txid, but the replacement does not provide a relay
         # fee conforming to node's `incrementalrelayfee` policy of 1000 sat per KB.
-        assert_equal(self.nodes[0].getmempoolinfo()["incrementalrelayfee"], Decimal("0.00001"))
+        assert_equal(self.nodes[0].getmempoolinfo()["incrementalrelayfee"], Decimal("0.000001"))
         tx.vout[0].nValue -= 1
         assert_raises_rpc_error(-26, "insufficient fee", self.nodes[0].sendrawtransaction, tx.serialize().hex())