Since the `apply` callback can defer, the `check` callback is not
necessary.  Removing the `check` callback further makes the `payload`
unnecessary along with the `cleanup` callback.

Ensure that setting the merge attribute forces the built-in default
`text` driver and does *not* honor the `merge.default` configuration
option.  Further ensure that unsetting the merge attribute forces
a conflict (the `binary` driver).

When a `check` or `apply` callback function returns `GIT_EMERGECONFLICT`
stop and product a conflict.

When a `check` or `apply` callback function returns `GIT_PASSTHROUGH`,
move on to the default merge driver.

Consumers can now register custom merged drivers with
`git_merge_driver_register`.  This allows consumers to support the
merge drivers, as configured in `.gitattributes`.  Consumers will be
asked to perform the file-level merge when a custom driver is
configured.

Update unit test to use newfangled `st_ctime_nsec`, which provides
indirection to the platform-correct name.