refs: rename `init_db` callback to avoid confusion

refs: rename `init_db` callback to avoid confusion

Reference backends have two callbacks `init` and `init_db`. The
similarity of these two callbacks has repeatedly confused me whenever I
was looking at them, where I always had to look up which of them does
what.

Rename the `init_db` callback to `create_on_disk`, which should
hopefully be clearer.

Signed-off-by: Patrick Steinhardt <ps@pks.im>
Signed-off-by: Junio C Hamano <gitster@pobox.com>