Recover from failure to create Ibex Account

[brh28]

Upon deploying to production, we were unable to create Ibex accounts. From this issue, we discovered that Ibex createAccount failures put our backend in a partial state that it is unable to heal from. A user who has this problem will continue to see failures.

Purpose of this task is to detect when a failure has occurred and re-initialize the Ibex account.

Testing:

• - Create integration tests (mock Ibex failure) to verify account is created successfully on second attempt
• - Verify happy path account creation still works in tests env

[brh28]

Possible approaches:

• Either call Ibex first to ensure we get a successful response
• or, add checks in the account creation to check if a user is already in the system