routing/pathfind: ensure final hop supports payment addrs

This commit adds an optional PaymentAddr field to the RestrictParams, so
that we can verify the final hop can support it before doing an
expensive round of pathfindig.

routing/payment_lifecycle.go

@@ -192,7 +192,11 @@ func (p *paymentLifecycle) resumePayment() ([32]byte, *route.Route, error) {
 // payment-level failure.
 func errorToPaymentFailure(err error) channeldb.FailureReason {
 	switch err {
-	case errNoTlvPayload, errNoPathFound, errMaxHopsExceeded,
+	case
+		errNoTlvPayload,
+		errNoPaymentAddr,
+		errNoPathFound,
+		errMaxHopsExceeded,
 		errPrebuiltRouteTried:
 
 		return channeldb.FailureReasonNoRoute