in D12335 i missed that get_username_and_password_file returns an error if the username attribute is missing, causing the whole RPC to fail. rather than modify that db method, i've decided to introduce a new one that just checks for the existence of OPAQUE registration data in a user item. the method returns an error if the lookup fails or if the user doesn't exist.
Resolves https://linear.app/comm/issue/ENG-8474/wallet-account-deletion-not-working