[BUG] ext4: generic/764 failed when using fast_commit option (error loading journal)

[Vyacheslav Kovalevsky <slava.kovalevskiy.2014@gmail.com>]

Hello, when testing ext4 with fast_commit enabled (Ubuntu 24.04, Linux 
6.8) I encountered this test failure:

```log
generic/764        [failed, exit status 1]- output mismatch (see 
/root/xfstests-dev/results//generic/764.out.bad)
     --- tests/generic/764.out   2026-09-16 08:04:58.023597440 +0000
     +++ /root/xfstests-dev/results//generic/764.out.bad 2026-09-16 
08:36:05.821198201 +0000
     @@ -1,2 +1,5 @@
      QA output created by 764
     -Silence is golden
     +mount: /mnt/scratch: mount(2) system call failed: Structure needs 
cleaning.
     +       dmesg(1) may have more information after failed mount 
system call.
     +mount -o acl,user_xattr /dev/mapper/flakey-test.764 /mnt/scratch 
failed
     +(see /root/xfstests-dev/results//generic/764.full for details)
     ...
     (Run 'diff -u /root/xfstests-dev/tests/generic/764.out 
/root/xfstests-dev/results//generic/764.out.bad'  to see the entire diff)
check: possible mount failures (see 
/root/xfstests-dev/results//generic/764.mountfail)
```

764.out.bad:

```log
root@ubuntu:~/xfstests-dev# cat ./results/generic/764.out.bad
QA output created by 764
mount: /mnt/scratch: mount(2) system call failed: Structure needs cleaning.
        dmesg(1) may have more information after failed mount system call.
mount -o acl,user_xattr /dev/mapper/flakey-test.764 /mnt/scratch failed
(see /root/xfstests-dev/results//generic/764.full for details)
```

764.mountfail:

```log
[ 1224.887075] run fstests generic/764 at 2026-09-16 08:36:05
[ 1225.042597] EXT4-fs (dm-0): mounted filesystem 
7cfe268c-25e3-4c01-90c7-c933198fe125 r/w with ordered data mode. Quota 
mode: none.
[ 1225.062913] EXT4-fs (dm-0): unmounting filesystem 
7cfe268c-25e3-4c01-90c7-c933198fe125.
[ 1225.078714] JBD2: journal recovery failed
[ 1225.078717] EXT4-fs (dm-0): error loading journal
```

Config info:

```log
FSTYP         -- ext4
PLATFORM      -- Linux/x86_64 ubuntu 6.8.0-139-generic #139-Ubuntu SMP 
PREEMPT_DYNAMIC Sat Aug  1 03:52:05 UTC 2026
MKFS_OPTIONS  -- -F -O fast_commit /dev/loop1
MOUNT_OPTIONS -- -o acl,user_xattr /dev/loop1 /mnt/scratch
```

OS information:

```json
{
         "Hostname" : "ubuntu",
         "StaticHostname" : "ubuntu",
         "PrettyHostname" : null,
         "DefaultHostname" : "localhost",
         "HostnameSource" : "static",
         "IconName" : "computer-vm",
         "Chassis" : "vm",
         "Deployment" : null,
         "Location" : null,
         "KernelName" : "Linux",
         "KernelRelease" : "6.8.0-139-generic",
         "KernelVersion" : "#139-Ubuntu SMP PREEMPT_DYNAMIC Sat Aug  1 
03:52:05 UTC 2026",
         "OperatingSystemPrettyName" : "Ubuntu 24.04.5 LTS",
         "OperatingSystemCPEName" : null,
         "OperatingSystemHomeURL" : "https://www.ubuntu.com/",
         "HardwareVendor" : "QEMU",
         "HardwareModel" : "Standard PC _Q35 + ICH9, 2009_",
         "HardwareSerial" : null,
         "FirmwareVersion" : "Arch Linux 1.17.0-2-2",
         "FirmwareVendor" : "SeaBIOS",
         "FirmwareDate" : 1396310400000000,
         "MachineID" : "91b0356bbe954341a29ab510f38d09be",
         "BootID" : "c5a11924033a42469f837e676984f813",
         "ProductUUID" : null
}
```

Also tested on Linux 7.2 (upstream) & 6.17.0-29-generic (Ubuntu 25.10).

I reported this issue previously here (did not know about the existing 
test failing):
<https://lore.kernel.org/linux-ext4/CAAJYhwzHRMipEy=mrH_FwELcSCCk9zK7ifzy0cuuWMzX3wmVtg@mail.gmail.com/>.