Show wallet option in picker even if not set up.

Updates the logic to show the option in the picker as disabled, when the
wallet is not yet set up.

Fix: 265321396
Test: manually made sure that the wallet option is visible and disabled
in the picker before I installed the wallet app. Once a card was added,
it became selectable and enabled.
Test: updated unit tests.

Change-Id: Ie5d854b7314148d3721d6efa2e2e18f883c861c5