Automatically create associated token accounts for the Swap referral account

[secretshardul]

Currently swaps fail if the referral account doesn't have the right associated token account present. It is not practical to anticipate and create every token account in advance, especially as the number of markets grow. This should be handled by the swap library itself.

[armaniferrante]

This needs to be done outside of the program. Moved to the UI repo.