catch corner cases of account creation

Users now always check if their identity is valid. We need to make
sure this works if the user is a new record and once it has been
persisted.

While the user is a new record the identity will have no user_id.
Old identities that are left to block the login of a user who
canceled their account also have a blank user_id. They still should
render the new identity invalid so the user can't be saved with a
login that has been reserved.

Once the user has been persisted we set the user_id on the identity
and save it too when creating an Account. This allows us to create
a plain user and save it and it will still have an in memory identity
only. But the default is to create the user by means of creating an
account so an identity will be created as well.

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