builtin/init-db: handle bare clones when core.bare set to false

builtin/init-db: handle bare clones when core.bare set to false

In 552955ed7f ("clone: use more conventional config/option layering",
2020-10-01), clone learned to read configuration options earlier in its
execution, before creating the new repository.  However, that led to a
problem: if the core.bare setting is set to false in the global config,
cloning a bare repository segfaults.  This happens because the
repository is falsely thought to be non-bare, but clone has set the work
tree to NULL, which is then dereferenced.

The code to initialize the repository already considers the fact that a
user might want to override the --bare option for git init, but it
doesn't take into account clone, which uses a different option.  Let's
just check that the work tree is not NULL, since that's how clone
indicates that the repository is bare.  This is also the case for git
init, so we won't be regressing that case.

Reported-by: Joseph Vusich <jvusich@amazon.com>
Signed-off-by: brian m. carlson <sandals@crustytoothpaste.net>
Signed-off-by: Junio C Hamano <gitster@pobox.com>