[Bug]: Encrypted File Sync Can Break File Loading

### What happened?

I am trying to reload the file from the sever after a sync across devices went broken with a file reset (file was encrypted)

Expected:

I would expect the file reload to end and show the balance that was synced up from another device.

### How can we reproduce the issue?

I am trying to fix issue: https://actualbudget.org/docs/getting-started/sync/#syncing-has-been-reset-on-this-cloud-file

hitting reload yeild to infite load screen, last request on server and in dev tools is list-user-files

### Where are you hosting Actual?

Docker

### What browsers are you seeing the problem on?

Chrome

### Operating System

Mac OSX