Looking at this, I feel like `create_account` is doing too much. What do you think about removing this whole `if` block? The way it works now, I try to create a new account, and it looks like it succeeded, even if a new account was not created. If we take out this logic, and balanced does not like creating accounts with duplicate emails, it will return 400, which would cause this function to throw an exception. Which I think is the more correct behavior.