accounts/scwallet: flag to specify path to smartcard daemon (#19439)

* accounts/scwallet: Add a switch to enable smartcard support

* accounts: change the meaning of the switch

* disable card support in windows until tested
* only activate account if pcscd socket file is present
* the switch is now the path to the socket file

* accounts/scwallet: holiman's review feedback

* accounts/scwallet: send the path to go-pcsclite

* accounts/scwallet: add default, per platform path

* accounts/scwallet: fix error log warning

* accounts/scwallet: update pcsc lib to latest

* accounts/scwallet: use default path from pcsclite

* scwallet: forgot to change switch name

* cmd: minor style cleanups (error handling first, then happy path)