fix: use `mem::take` instead of `RefCell` to refresh `UserSecretKey` #1704

Job	Run time
cargo-lint / cargo-dry-publish / publish	21s
cargo-lint / cargo-doc / doc	45s
cargo-lint / cargo-semver / Check semver	4m 1s
cargo-lint / cargo-nursery-base / cargo-audit / Audit	4m 55s
cargo-lint / cargo-nursery-base / cargo-udeps / Check udeps	6m 31s
cargo-lint / cargo-nursery-base / cargo-lint / lint	3m 1s
cargo-publish	0s
cleanup / cache_cleanup	10s
	19m 44s

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