* Respect options passed to `foreign_key` when reverting `add_reference`

The code incorrectly assumes that the option was written as
`foreign_key: true`, but that is not always the case. This now mirrors
the behavior of reverting `add_foreign_key`. The code was changed to use
kwargs while I was touching it, as well.

This could really use a refactoring to go through the same code paths as
`add_refernce` in the future, so we don't duplicate default values.

Fixes #25169

* Backport part of https://github.com/rails/rails/commit/1b8a7b8293e0ff944eb9a5ed84a17b51a87be696

- For fixing tests caused by d18fd490316cd2299c87167ba44de15e79322bb4
- Fixes #25755

* From original commit message -

Additionally, there was a bug in `remove_foreign_key` if you passed it
an options hash containing `to_table`. This now occurs whenever removing
a reference, as we always normalize to a hash.

- The original commit can't be cherry-picked as it contains other fixes
  too which are not applicable for 5-0-stable.