Persist the lobby Terms Of Use and Terms Of Service checkbox if the logged in user and the accepted versions of the pages didn't change since last login, refs #5218.
This way the user is only forced to read the Terms again that changed or if the user logged in from a different machine.
Use md5sum since it is sufficiently resistant against collisions and doesn't freeze the window for 2 seconds like EncryptPassword / SHA256 does, refs #4399.
Use 0 instead of empty string in default.cfg, refs #3990.
Differential Revision: https://code.wildfiregames.com/D1575
Partial review by: Vladislav