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

fstest/test_all/test_all.go

@@ -12,7 +12,6 @@ Make TesTrun have a []string of flags to try - that then makes it generic
 */
 
 import (
-	"context"
 	"flag"
 	"log"
 	"math/rand"
@@ -72,7 +71,7 @@ func main() {
 		log.Println("test_all should be run from the root of the rclone source code")
 		log.Fatal(err)
 	}
-	configfile.LoadConfig(context.Background())
+	configfile.Install()
 
 	// Seed the random number generator
 	rand.Seed(time.Now().UTC().UnixNano())