ext4: apply umask if ACL support is disabled

ext4: apply umask if ACL support is disabled

The function ext4_init_acl() calls posix_acl_create() which is
responsible for applying the umask.  But without
CONFIG_EXT4_FS_POSIX_ACL, ext4_init_acl() is an empty inline function,
and nobody applies the umask.

This fixes a bug which causes the umask to be ignored with O_TMPFILE
on ext4:

 https://github.com/MusicPlayerDaemon/MPD/issues/558
 https://bugs.gentoo.org/show_bug.cgi?id=686142#c3
 https://bugzilla.kernel.org/show_bug.cgi?id=203625

Reviewed-by: "J. Bruce Fields" <bfields@redhat.com>
Cc: stable@vger.kernel.org
Signed-off-by: Max Kellermann <max.kellermann@ionos.com>
Link: https://lore.kernel.org/r/20230919081824.1096619-1-max.kellermann@ionos.com
Signed-off-by: Theodore Ts'o <tytso@mit.edu>