Limit _returning_columns_for_insert to PK for DBs with no `RETURNIN…

…G` support

activerecord/lib/active_record/model_schema.rb

@@ -435,8 +435,12 @@ def columns
 
       def _returning_columns_for_insert(connection) # :nodoc:
         @_returning_columns_for_insert ||= begin
-          auto_populated_columns = columns.filter_map do |c|
-            c.name if connection.return_value_after_insert?(c)
+          auto_populated_columns = if connection.supports_insert_returning?
+            columns.filter_map do |c|
+              c.name if connection.return_value_after_insert?(c)
+            end
+          else # we shouldn't be trying to build a list of returning columns if db doesn't `RETURNING` statement
+            []
           end
 
           auto_populated_columns.empty? ? Array(primary_key) : auto_populated_columns