Fix display of pseudologins

After b9517cf7ce2959a6e86a52d25a98b1d03df56d58, they lost fields and
auth keys. They're faked, so they don't really have fields or auth, but
put them in anyway to appease existing styles.

Reported-By: Kevin Chen <kchen@mit.edu>
zcrypt: Make gpg stop messing around in ~/.gnupg

Signed-off-by: Anders Kaseorg <andersk@mit.edu>
Make :loadsubs reload instanced personals too

Right now if your subs get lost because something falls over, you have
to manually sub to instanced personals to get them back. :loadsubs
doesn't work.

(Supposedly that code is for "backwards compatibility", but... it dates
back to kretch. Probably because it's odd that :loadsubs [file] will
also automatically load the default subs. But given that everyone runs
:loadsubs with no argument to mean "oops zephyr fell over reload my subs
please", I'm okay with adding more code to the "backwards compatibility"
path. I doubt anyone actually runs :loadsubs with an argument anyway.)

Also, while I'm here, get rid of that 'foo' variable. (Really? Really?!
foo?!?)