Cannot create room when e2ee disabled by server

### Steps to reproduce

1. On server set very high permission to create encrypted room, like "m.room.encryption": 999
2. Try to start private chat via Element X

### Outcome

#### What did you expect?
Room created and you can chat without e2ee
#### What happened instead?
You seeing message "An error occurred when trying to start a chat"
Sever logging:
synapse.http.server - 131 - INFO - POST-494 - SynapseError: 403 - You cannot create an encrypted room. user_level (100) < send_level (999)

### Your phone model

Google Pixel 7a

### Operating system version

Android 13

### Application version and app store

Element X 26.03.0

### Homeserver

Synapse

### Will you send logs?

Yes

### Are you willing to provide a PR?

Yes