Reduce payer balance needed to deploy programs (backport #19645)

[mergify]

This is an automatic backport of pull request #19645 done by Mergify.
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	both modified:   programs/bpf_loader/src/lib.rs

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[solana-grimes]

😱 New commits were pushed while the automerge label was present.

[jstarry]

@jackcmay fyi this didn't get into v1.7.12 with the native write privileges fix, so we'll have to treat the feature switch as if it got into v1.7.13. Does that seem sane?

[jackcmay]

Yup or this can use a different switch

[jstarry]

yeah a new switch seems more sane, I'll do that

[mergify]

automerge label removed due to a CI failure

[codecov]

Codecov Report

Merging #19998 (f89383f) into v1.7 (3e870a4) will increase coverage by 0.0%.
The diff coverage is 88.8%.

@@           Coverage Diff           @@
##             v1.7   #19998   +/-   ##
=======================================
  Coverage    82.2%    82.2%           
=======================================
  Files         439      439           
  Lines      124898   124917   +19     
=======================================
+ Hits       102721   102739   +18     
- Misses      22177    22178    +1