ActiveRecord being loaded at require time again

[krystof-k]

Upgrading from 1.3.6 to 1.4.0 breaks ActiveRecord::Encryption when keys are set via config.active_record.encryption.* in a Rails initializer.

Seems that the issue solved in #935 was reintroduced to main.

[hugopeixoto]

This was reintroduced here: #944