fix: use `mem::take` instead of `RefCell` to refresh `UserSecretKey` … #1707

Job	Run time
cargo-lint / cargo-doc / doc	46s
cargo-lint / cargo-dry-publish / publish	15s
cargo-lint / cargo-semver / Check semver	3m 53s
cargo-lint / cargo-nursery-base / cargo-udeps / Check udeps	6m 37s
cargo-lint / cargo-nursery-base / cargo-lint / lint	2m 24s
cargo-lint / cargo-nursery-base / cargo-audit / Audit	4m 46s
cargo-publish	0s
cleanup / cache_cleanup	4s
	18m 45s

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