ci: stop caching ~/.cargo/bin

[xdustinface]

Swatinem/rust-cache@v2 defaults to cache-bin: true, which caches ~/.cargo/bin. On macOS aarch64 the rustup proxies are hardlinks to a single binary, and after a partial (prefix-match) cache restore cargo can end up pointing to the rustup-init installer instead of the rustup proxy, making every cargo test invocation fail with error: unexpected argument 'test' found.

Disable bin caching so the toolchain is always reinstalled by dtolnay/rust-toolchain@stable. Bump prefix-key to v1-rust to invalidate the existing poisoned caches, since GitHub Actions cache rejects saves to an existing key and prefix-match restore would otherwise keep pulling the bad tar.

Fixes failures like: https://github.com/dashpay/rust-dashcore/actions/runs/25866537968/job/76010036327?pr=761

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• .github/workflows/build-and-test.yml

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[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 72.61%. Comparing base (3281616) to head (a80ff9a).

Additional details and impacted files

@@              Coverage Diff              @@
##           v0.42-dev     #767      +/-   ##
=============================================
+ Coverage      72.56%   72.61%   +0.05%     
=============================================
  Files            320      320              
  Lines          70254    70254              
=============================================
+ Hits           50977    51018      +41     
+ Misses         19277    19236      -41     

Flag	Coverage Δ
core	76.30% <ø> (ø)
ffi	48.42% <ø> (ø)
rpc	20.00% <ø> (ø)
spv	89.94% <ø> (+0.25%)	⬆️
wallet	71.27% <ø> (ø)
see 7 files with indirect coverage changes