Lightning Terminal Crash on start up from Loop DB Error

I'm running litd with the latest version (0.12.3). We've had several nodes hit a problem where they fail to start up and the entire litd binary shuts down. The stack trace indicates it's an issue with Loop and database access. We have made no changes since previous versions. Here is a stack trace:

```
panic: runtime error: invalid memory address or nil pointer dereference
[signal SIGSEGV: segmentation violation code=0x1 addr=0x8 pc=0x11c488c]

goroutine 1 [running]:
github.com/lightninglabs/loop/loopd.openDatabase(0x3fc55e0, 0x1aee188?)
github.com/lightninglabs/loop@v0.27.0-beta/loopd/utils.go:62 +0x29c
github.com/lightninglabs/loop/loopd.(*Daemon).initialize(0x40000d83c0, 0x0)
github.com/lightninglabs/loop@v0.27.0-beta/loopd/daemon.go:411 +0x518
github.com/lightninglabs/loop/loopd.(*Daemon).StartAsSubserver(0xfffcefcc8c10?, 0xffff972f3f18?, 0x18?)
github.com/lightninglabs/loop@v0.27.0-beta/loopd/daemon.go:194 +0x7c
github.com/lightninglabs/lightning-terminal/subservers.(*loopSubServer).Start(0x40009539b8?, {0x14b31cc?, 0x18?}, 0x185a4a0?, 0x1?)
github.com/lightninglabs/lightning-terminal/subservers/loop.go:74 +0x28
github.com/lightninglabs/lightning-terminal/subservers.(*subServerWrapper).startIntegrated(0x4000600420, {0x2e9f8e0?, 0x40008a0350?}, 0x1b1c683?, 0x8?, 0x40064c3230)
github.com/lightninglabs/lightning-terminal/subservers/subserver.go:106 +0x3c
github.com/lightninglabs/lightning-terminal/subservers.(*Manager).StartIntegratedServers(0x4000618540, {0x2e9f8e0, 0x40008a0350}, 0x1ad8c89?, 0xc?)
github.com/lightninglabs/lightning-terminal/subservers/manager.go:94 +0x16c
github.com/lightninglabs/lightning-terminal.(*LightningTerminal).start(0x4000000900)
github.com/lightninglabs/lightning-terminal/terminal.go:666 +0x18a8
github.com/lightninglabs/lightning-terminal.(*LightningTerminal).Run(0x4000000900)
github.com/lightninglabs/lightning-terminal/terminal.go:305 +0x658
main.main()
github.com/lightninglabs/lightning-terminal/cmd/litd/main.go:14 +0x88
```

To resolve the issue, we delete the loop directory.

**Expected behavior**

Litd can run without crashing

**Actual behavior**

Litd start up crashes