As seen in matrix-org/complement-crypto#122 which times out due to how slow it gets with encryption enabled via .Passphrase being set on the client_builder.

Example timings:

• TestAliceBobEncryptionWorks/{rust_hs1}|{rust_hs1} - this creates 2 clients, 1 room and Alice sends 1 message to Bob. It's the simplest E2EE test. 910ms without encrypted DB, 4.86s with.
• TestFallbackKeyIsUsedIfOneTimeKeysRunOut - this consumes all OTKs (blocking the client uploading more) then claims the fallback key, so it will cause the client to re-upload 50 OTKs. 2.52s without, 8.43s with.
• Overall: 3m29s to run without, 9m28s to run with.

This is 3-5x worse.

This means I can't realistically enable encrypted DBs in tests, which is desirable in order to match EX.