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## Description
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Putting some things inside the factory (which was very anemic struct) has helped me to understand the flow. Feel free to merge if you see some benefit.
closes: #XXXX
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- [ ] Targeted PR against correct branch (see [CONTRIBUTING.md](https://github.com/cosmos/cosmos-sdk/blob/master/CONTRIBUTING.md#pr-targeting))
- [ ] Linked to Github issue with discussion and accepted design OR link to spec that describes this work.
- [ ] Code follows the [module structure standards](https://github.com/cosmos/cosmos-sdk/blob/master/docs/building-modules/structure.md).
- [ ] Wrote unit and integration [tests](https://github.com/cosmos/cosmos-sdk/blob/master/CONTRIBUTING.md#testing)
- [ ] Updated relevant documentation (`docs/`) or specification (`x/<module>/spec/`)
- [ ] Added relevant `godoc` [comments](https://blog.golang.org/godoc-documenting-go-code).
- [ ] Added a relevant changelog entry to the `Unreleased` section in `CHANGELOG.md`
- [ ] Re-reviewed `Files changed` in the Github PR explorer
- [ ] Review `Codecov Report` in the comment section below once CI passes
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