Currently we store all access tokens in the DB, and fall back to that
check if we can't validate the macaroon, so our fallback works here, but
for guests, their macaroons don't get persisted, so we don't get to
find them in the database. Each restart, we generate a new ephemeral
key, so guests lose access after each server restart.

I tried to fix up the config stuff to be less insane, but gave up, so
instead I bolt on yet another piece of custom one-off insanity.

Also, add some basic tests for config generation and loading.

fix the copyright holder from matrix.org to OpenMarket Ltd, as matrix.org hasn't been incorporated in time for launch.