fix crash when config is not properly initialized (#12714)

fixes #12709

cmd/config-current.go

@@ -723,8 +723,8 @@ func loadConfig(objAPI ObjectLayer) error {
 func getOpenIDValidators(cfg openid.Config) *openid.Validators {
 	validators := openid.NewValidators()
 
-	if cfg.JWKS.URL != nil {
-		validators.Add(openid.NewJWT(cfg))
+	if cfg.Enabled {
+		validators.Add(&cfg)
 	}
 
 	return validators