jbd2: avoid infinite transaction commit loop

Commit 9f356e5a ("jbd2: Account descriptor blocks into
t_outstanding_credits") started to account descriptor blocks into
transactions outstanding credits. However it didn't appropriately
decrease the maximum amount of credits available to userspace. Thus if
the filesystem requests a transaction smaller than
j_max_transaction_buffers but large enough that when descriptor blocks
are added the size exceeds j_max_transaction_buffers, we confuse
add_transaction_credits() into thinking previous handles have grown the
transaction too much and enter infinite journal commit loop in
start_this_handle() -> add_transaction_credits() trying to create
transaction with enough credits available.

Fix the problem by properly accounting for transaction space reserved
for descriptor blocks when verifying requested transaction handle size.

CC: stable@vger.kernel.org
Fixes: 9f356e5a

 ("jbd2: Account descriptor blocks into t_outstanding_credits")
Reported-by: Alexander Coffin <alex.coffin@maticrobots.com>
Link: https://lore.kernel.org/all/CA+hUFcuGs04JHZ_WzA1zGN57+ehL2qmHOt5a7RMpo+rv6Vyxtw@mail.gmail.com
Signed-off-by: Jan Kara <jack@suse.cz>
Reviewed-by: Zhang Yi <yi.zhang@huawei.com>
Link: https://patch.msgid.link/20240624170127.3253-3-jack@suse.cz
Signed-off-by: Theodore Ts'o <tytso@mit.edu>