When we call `form.validate()` and the validation fails, the raised
exception is a `deform.ValidationFailure`. This object has an `error`
attribute which represents the underlying validation error object for
the entire form.

Previously, if the validation failure were a result of top-level
validation errors (such as the fact that an unactivated user is trying
to log in), this error would be lost, because we only reported errors
for the forms fields, or "children".

This commit changes `h.accounts.views.validate_form` so that it converts
the entire `colander.Invalid` object into a dictionary using its
`asdict()` instance method. By doing this, we get two immediate
benefits:

- top-level validation errors are reported in the '' (empty string)
  field
- we avoid the need to aggregate form field errors by hand in ajax_form

In addition, we need to deal with this case on the frontend, so this
commit also changes the formRespond directive so that if no overall
"reason" is provided for failure, then an empty-string member of the
"errors" object can set the overall validation status (and error
message) for the form.