CLI: Disable Keybase for Generate Only

[alexanderbez]

When --generate-only is provided, the Keybase is not used and as a result the --from value must be a valid Bech32 cosmos address -- this is exactly what the REST client enforces. So now it's consistent.

closes: #3889

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• Targeted PR against correct branch (see CONTRIBUTING.md)

• Linked to github-issue with discussion and accepted design OR link to spec that describes this work.

• Wrote tests

• Updated relevant documentation (docs/)

• Added a relevant changelog entry: sdkch add [section] [stanza] [message]

• rereviewed Files changed in the github PR explorer

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For Admin Use:

• Added appropriate labels to PR (ex. wip, ready-for-review, docs)
• Reviewers Assigned
• Squashed all commits, uses message "Merge pull request #XYZ: [title]" (coding standards)

[codecov]

Codecov Report

Merging #3960 into develop will not change coverage.
The diff coverage is n/a.

@@           Coverage Diff            @@
##           develop    #3960   +/-   ##
========================================
  Coverage    60.43%   60.43%           
========================================
  Files          196      196           
  Lines        14492    14492           
========================================
  Hits          8758     8758           
  Misses        5154     5154           
  Partials       580      580

[jackzampolin]

Good addition

[cwgoes]

Needs a sdkch entry - otherwise ACK.