v1.18: Cli stake-split: adjust transfer amount if recipient has lamports (backport of #266) #369
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Problem
The #162 cli change permits split recipients that carry a lamports balance. However, the message builder below always funds the account with the full rent-exempt reserve regardless of such an existing balance.
Summary of Changes
Some refactoring to make cases easier to follow (review by commit will be best)
Subtract (saturating) any existing lamports balance from the transfer amount
This is an automatic backport of pull request #266 done by [Mergify](https://mergify.com).