Quote filenames containing '~' in prompts

Quote filenames containing '~' in prompts

When in a directory named '~', the default value given by
`read-file-name' should be quoted by prepending '/:', in order to
prevent it from being interpreted as referring to the $HOME
directory (Bug#16984).

* lisp/minibuffer.el (minibuffer-maybe-quote-filename): New function.
(completion--sifn-requote, read-file-name-default): Use it instead of
`minibuffer--double-dollars'.
* test/lisp/files-tests.el (files-test-read-file-in-~): Test it.