Change user settings to be stored in a more optimal way (#23630)

Co-authored-by: Claire <claire.github-309c@sitedethib.com>

spec/controllers/api/v1/accounts/credentials_controller_spec.rb

@@ -46,6 +46,7 @@ describe Api::V1::Accounts::CredentialsController do
         end
 
         it 'updates account info' do
+          user.reload
           user.account.reload
 
           expect(user.account.display_name).to eq("Alice Isn't Dead")