Disable transaction ban for dev

[xlc]

Currently bad transactions (e.g. when sender account does not have any balance to pay for fees) will get banned for 5 mins. This is necessary for production network but getting annoying for development network.

Should have a CLI flag to disable it or just disable it for dev mode by default.

[shunjizhan]

it's potentially useful to disable banning pools completely for dev. Not only bad transactions, but also recently mined tx gets blocked. This behavior blocks implementation of any state revert for dev.

For example, this common testing flow will fail

### setup
- deployLendingContract()
- addLiquidity()
- snapshot()

### senario 1
- revertState()
- tx1: deposit(10 dot)
- tx2: borrow(3 ksm)

### senario 2
- revertState()          // can only revert storage but not the banned mempool
- tx3: deposit(10 dot)   // error: tx temporarily banned (since it's the same as tx1)
- tx4: borrow(5 usdc)

### senario 3
...

[shunjizhan]

we also got many questions from devs why they got tx temporarily banned error. Such mechanism obviously provides not much merit for dev, but only introduces confusion. So it should only be enabled for prod, if the the chain runs locally with --dev, it can be disabled.