Required payment instruments should be RESERVED

Several payment instruments are required by form and processing code:

• Credit Card
• Debit Card
• Check

Administrators may modify the labels for these w/o affecting behaviors - but they will cause problems if deleted.
Currently, Credit Card is reserved (protected from deletion). Debit Card and Check are not "reserved". We should make those two reserved and update the help text on the admin page to clarify.

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Verified on demo.
Help text on civicrm/admin/options/payment_instrument&group=payment_instrument&reset=1 states:
"The common payment methods are installed by default and cannot be modified (e.g. Check, Cash, Credit Card...). If your site requires additional payment methods, you can add them here." However, only Credit Card is Reserved (this means that there will always be at least one payment instrument), and all can have their name changed. If you let me know whether the help text should be changed or the default payment instruments should be reserved and/or have the option of editting their label removed, I will roll a patch for that. My own sense is that payment processors may be relying on EFT and/or debit card payment instruments to be there and thus those should be Reserved as well. Cash and Check need not be reserved. I have a client now, FWIW, who uses Certified Cheque and Non-certified cheque as separate payment instruments. It might be worthwhile to lock down the Label but not the description for Reserved payment instruments.