fscrypt: require that key be added when setting a v2 encryption policy

By looking up the master keys in a filesystem-level keyring rather than
in the calling processes' key hierarchy, it becomes possible for a user
to set an encryption policy which refers to some key they don't actually
know, then encrypt their files using that key.  Cryptographically this
isn't much of a problem, but the semantics of this would be a bit weird.
Thus, enforce that a v2 encryption policy can only be set if the user
has previously added the key, or has capable(CAP_FOWNER).

We tolerate that this problem will continue to exist for v1 encryption
policies, however; there is no way around that.

Reviewed-by: Theodore Ts'o <tytso@mit.edu>
Signed-off-by: Eric Biggers <ebiggers@google.com>