fix(algebra/monoid_algebra/basic): remove an instance that forms a diamond (#11918)
This turns `monoid_algebra.comap_distrib_mul_action_self` from an instance to a def.
This also adds some tests to prove that this diamond exists.
Note that this diamond is not just non-defeq, it's also just plain not equal.
[Zulip](https://leanprover.zulipchat.com/#narrow/stream/116395-maths/topic/Schur's.20lemma/near/270990004)