Don't auto-fail offers payments pre-HTLC lock in #20299

Job	Run time
coverage	17m 56s
build-tx-sync (ubuntu-latest, stable)	4m 52s
ext-test	7m 3s
build-tx-sync (ubuntu-latest, 1.75.0)	5m 46s
build-tx-sync (macos-latest, stable)	4m 49s
build-tx-sync (ubuntu-latest, beta)	4m 52s
build-tx-sync (macos-latest, 1.75.0)	6m 36s
build-tx-sync (macos-latest, beta)	6m 44s
build (self-hosted, stable)	1h 19m 10s
build (macos-latest, stable)	1h 41m 28s
build (self-hosted, beta)	1h 20m 16s
check_release	2m 18s
build (macos-latest, 1.63.0)	2h 15m 5s
rustfmt	17s
linting	2m 28s
build (self-hosted, 1.63.0)	1h 47m 6s
fuzz	53m 0s
build (windows-latest, stable)	2h 26m 6s
benchmark	16m 15s
	13h 2m 7s

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