## Description
Closes: #12546
Removes `simapp` as a dependency from `testutil/network` by abstracting `simapp` construction behind a factory fn (now in `simapp`), then requiring callers of `network.DefaultConfig` to pass in the factory fn directly.
This patch is an intermediate step to removing all dependencies on `simapp`. Follow up work may include moving all of the tests using `network.DefaultConfig` updated here up to `simapp`, or possibly just the runners.
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## Description
Ref: https://github.com/cosmos/cosmos-sdk/issues/12398
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- [x] included the correct [type prefix](https://github.com/commitizen/conventional-commit-types/blob/v3.0.0/index.json) in the PR title
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- [x] targeted the correct branch (see [PR Targeting](https://github.com/cosmos/cosmos-sdk/blob/main/CONTRIBUTING.md#pr-targeting))
- [x] provided a link to the relevant issue or specification
- [ ] followed the guidelines for [building modules](https://github.com/cosmos/cosmos-sdk/blob/main/docs/building-modules)
- [ ] included the necessary unit and integration [tests](https://github.com/cosmos/cosmos-sdk/blob/main/CONTRIBUTING.md#testing)
- [ ] added a changelog entry to `CHANGELOG.md`
- [ ] included comments for [documenting Go code](https://blog.golang.org/godoc)
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## Description
Implements 2/3 from #12234
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- [x] included the necessary unit and integration [tests](https://github.com/cosmos/cosmos-sdk/blob/main/CONTRIBUTING.md#testing)
- [ ] added a changelog entry to `CHANGELOG.md`
- [ ] included comments for [documenting Go code](https://blog.golang.org/godoc)
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- [ ] manually tested (if applicable)
