config: delay load config file (#5258)

Restructuring of config code in v1.55 resulted in config
file being loaded early at process startup. If configuration
file is encrypted this means user will need to supply the password,
even when running commands that does not use config.
This also lead to an issue where mount with --deamon failed to
decrypt the config file when it had to prompt user for passord.

Fixes #5236
Fixes #5228

fs/rc/rcserver/rcserver_test.go

@@ -103,7 +103,7 @@ type testRun struct {
 // Run a suite of tests
 func testServer(t *testing.T, tests []testRun, opt *rc.Options) {
 	ctx := context.Background()
-	configfile.LoadConfig(ctx)
+	configfile.Install()
 	mux := http.NewServeMux()
 	opt.HTTPOptions.Template = testTemplate
 	rcServer := newServer(ctx, opt, mux)