cmd/fscrypt: fix isDirUnlockedHeuristic() on latest kernels

cmd/fscrypt: fix isDirUnlockedHeuristic() on latest kernels

On an "incompletely locked" directory, isDirUnlockedHeuristic() is
supposed to return true, but on Linux v5.10-rc1 and later it returns
false since now creating a subdirectory fails rather than succeeds.
This change was intentional, so make isDirUnlockedHeuristic() apply a
second heuristic too: also return true if any filenames in the directory
don't appear to be valid no-key names.

This fixes cli-tests/t_v1_encrypt on Linux v5.10-rc1 and later.