fix: refactor userId & password retrieval

- In-case KEY_USER_ID userData is missing fallback to account's name
- In-case account's authToken is missing or running in mainThread,
  fallback to account's password

issue:
- https://gitlab.e.foundation/e/os/backlog/-/work_items/1902
- https://gitlab.e.foundation/e/os/backlog/-/issues/1897