testkit reference.conf not always overriding db-commons reference.conf

[Christewart]

in #5390 we see an example of this in the logs when setting log-config-on-start=true

            # reference.conf @ file:/Users/chris/dev/bitcoin-s/db-commons/target/scala-2.13/classes/reference.conf: 52
            # enable peer discovery on the p2p network by default
            "enable-peer-discovery" : true,

We want the testkit/reference.conf to always take precedent over the db-commons/reference.conf when testkit is available on this classpath, as it indicates we are running unit tests.

There is some other folks that have seemed to figure out how to fine control config resolutions here:

https://stackoverflow.com/questions/31698605/hocon-multiple-reference-conf-resolution-issue/31727841

lightbend/config#342

This should allow us to move all these hard coded configs out of these strings besides the torEnabled setting I believe

bitcoin-s/testkit/src/main/scala/org/bitcoins/testkit/BitcoinSTestAppConfig.scala

Line 110 in 8dafc87

| node {