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`add-user`: make `--username` and `--bank` required arguments #1433

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Run time

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Job	Run time
validate commits	10s
generate build matrix	3s
python lint	16s
python format	13s
spelling	4s
coverage	3m 36s
el8 - py3.6	2m 14s
jammy - py3.6	2m 4s
el8 - distcheck	2m 24s
	11m 4s