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- [ ] I have searched the [issues](https://github.com/apache/dubbo/issues) of this repository and believe that this is not a duplicate.

### Environment

* Dubbo version: 3.1.0
* Operating System version: Linux indows
* Java version: 1.8

### Steps to reproduce this issue

1. 在dubbo.properties中配置dubbo.reference.protocol=dubbo不再生效修改为dubbo.consumer.protocol=dubbo才生效
2. 同样的场景在dubbo.properties中配置dubbo.service.配置项不会生效改为dubbo.provider配置才生效
 
Pls. provide [GitHub address] to reproduce this issue.

### Expected Behavior

<!-- What do you expect from the above steps？-->
这个对于低版本升级Dubbo3的用户来说不太兼容原先版本中在dubbo.properties配置文件中配置dubbo.reference.protocol=dubbo这样的配置是可以生效的如果升级dubbo3必须修改这些配置
虽然新版本两个配置定位不一样但是这样不太兼容低版本，升级的用户必须手动修改配置才可以如果忘记修改配置就容易出问题
### Actual Behavior

<!-- What actually happens? -->
在dubbo.properties中配置3.x版本不生效但是2.x版本却生效这个不太兼容低版本

If there is an exception, please attach the exception trace:

```
Just put your stack trace here!
```

} else if (isNestedSetter(this, method)) {
                    
                }
            } catch (Throwable t) {
                logger.error(COMMON_FAILED_OVERRIDE_FIELD, "", "", "Failed to override field value of config bean: " + this, t);
                throw new IllegalStateException("Failed to override field value of config bean: " + this, t);
            }
        }
    }
    /**
     * Dubbo config property override
     */
    public void refresh() {
        try {
            
            preProcessRefresh();
            Environment environment = getScopeModel().getModelEnvironment();
            List<Map<String, String>> configurationMaps = environment.getConfigurationMaps();
            
            String preferredPrefix = null;
            List<String> prefixes = getPrefixes();
            for (String prefix : prefixes) {
                if (ConfigurationUtils.hasSubProperties(configurationMaps, prefix)) {
                    preferredPrefix = prefix;
                    break;
                }
            }
            if (preferredPrefix == null) {
                preferredPrefix = prefixes.get(0);
            }