[w3c/browser-payment-api] Payment Instrument clarification (#104)

The payment architecture document no longer uses the term payment instrument, but I think his is still a useful term to clarify.

I believe a Payment Application stores (or gives access to) Payment Instruments and furthermore a particular Payment Instrument might be able to be presented (or used) from multiple payments applications.

So for example a Payment Instrument defined as Visa Card Number 1234567890123456 might be able to be presented by a Browser Payment App supporting cards and also a Visa Payment Application (such as V.Me/Visa Checkout) and furthermore by another 3rd party wallet.

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