Don't create schemas in model tests unless needed

Creating a schema takes about 3-4 seconds on my machine, so omitting
the callbacks makes tests much faster.

To do so, we're using the `insert!` method added in Rails 6.0, which
inserts a record without executing callbacks or validations. To make the
tests look consistent, we're adding a FactoryBot strategy which uses
`insert!` instead of `create!`.

Note this strategy is useless in most cases because it doesn't work when
models have translatable attributes or associations. However, IMHO it's
worth it even if we only use it for tenants.

We could also use `Tenant.insert!` instead, but then we would have to
add all the mandatory attributes, and in this case the code is clearer
if we only add the attributes we need for the test.

spec/models/setting_spec.rb

@@ -193,11 +193,10 @@ describe Setting do
     end
 
     it "returns the tenant name for other tenants" do
-      create(:tenant, schema: "new", name: "New Institution")
+      insert(:tenant, schema: "new", name: "New Institution")
+      allow(Tenant).to receive(:current_schema).and_return("new")
 
-      Tenant.switch("new") do
-        expect(Setting.default_org_name).to eq "New Institution"
-      end
+      expect(Setting.default_org_name).to eq "New Institution"
     end
   end