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`add-user`: make `--username` and `--bank` required arguments #1442

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Run time

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Job	Run time
python lint	18s
python format	16s
generate build matrix	3s
validate commits	6s
spelling	4s
coverage	3m 56s
el8 - py3.6	2m 11s
jammy - py3.6	2m 2s
el8 - distcheck	2m 31s
	11m 27s