Use #inject over #sum to build PG create DB statement

While investigating #16951 I found that another library's monkey-patching of
`Enumerable` was causing the test migrations helper to break when trying to
build the `CREATE DATABASE` statement. The prior approach used `#sum` to build
the string from the options hash.

As the code that combines the options to build the database statement is not
user-facing, using `#inject` here instead will remove the only place where the
database creation/migration code is dependent on ActiveSupport's monkey-patching
of `Enumerable`.
Merge pull request #16954 from geoffharcourt/inject-over-sum

Use #inject over #sum to build PG create DB statement