Hello. The “connect ECONNREFUSED 127.0.0.1:27020” indicates the Node code was attempting to perform automatic encryption, but could not locate either the mongocryptd or shared_crypt libraries (you only need one, and both packages are available from the Enterprise Downloads page (MongoDB Enterprise Server Download | MongoDB); note you only need the cryptd or crypt_shared package, not the entire server. Both libraries are fully licensed for all Atlas users (including the free tiers) and Enterprise, but one or the other need to be specifically installed, they won’t get pulled down automatically with your language dependencies like libmongocrypt will.
Hope that helps!
-Kenn
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