refactor: use getAccountInfo to fetch token accounts on makeTransfer

[beeman]

This PR changes how makeTransfer fetches the addresses of the token accounts for both the owner and destination.

Previously, it used getAssociatedTokenAddress combined with the mint and public key, but this does not work with token accounts that are created using and older method (eg. Agora wallets).

In this setup, we fetch the account info for both the owner and destination and it will give back and array of token accounts, regardless of how they were created.

The logic goes like this:

• If the owners token account is not found, it fails.
• If the destination token account is not found, and senderCreate is not set, it fails.
• If the destination token account is not found, and senderCreate is set, it will use getAssociatedTokenAddress to derive the address.

Part of #507.

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