Chore: clone cleaning

[gluax]

Motivation

To clean up the usage of clone throughout the code base.

Explanation of Changes

The scary number of charges is because of formatting rule changes :).

1. Separated tests into a separate file where appropriate(if there were more than a few). So I could search for clones outside of the test and test utils.
2. Realized the Map type from cosmwasm lets you have a reference to a key due to phantom typing and clever referencing.
3. Removed as many clones as I saw possible. This seldom resulted in lines of code re-ordering.
4. I added more rustfmt rules. Some stuff was messy due to my clean-ups so far, but I didn't want to fix it by hand, lol.
5. Updated basic CI to be faster, by putting clippy and test into the same job. Also to use nightly for fmt. Also updated the actions while I was at it.

Testing

All tests still pass.

Related PRs and Issues

Progresses #142.