Call CardDatabaseHelper.getInstance() when used and not in onCreate

Providers can be created before onCreate is called on the application.
Calling CardDatabaseHelper.getInstance() too early will cause
ContextualCardLoader to call getAppllicationContext before application
has been fully started.

Postpone calling CardDatabaseHelper.getInstance() until database is
accessed.

Test: Start device with sim card inserted and Pin enabled on sim.
  Wait some time before entering sim pin. After entering pin, open
  settings. Verify that settings does not crash.
  Verify that there is no contentProvider exceptions from settings in log.
Bug: 154076590
Change-Id: Id0b6294ca2aeebdc71076299928c4dea5145ba33