[backport#15368] Make descriptor checksums mandatory in deriveaddresses and importmulti

Summary:
https://github.com/bitcoin/bitcoin/pull/15368/commits/be62903c417293f6217e124669e62fd2172a18f1

Depends on D6601

Partial backport of Core PR15368

Test Plan:

ninja
test_runner.py rpc_deriveaddresses wallet_importmulti

Reviewers: #bitcoin_abc, Fabien

Reviewed By: #bitcoin_abc, Fabien

Subscribers: Fabien

Differential Revision: https://reviews.bitcoinabc.org/D6602