cifs: sanitize username handling

Currently, it's not very clear whether you're allowed to have a NULL
vol->username or ses->user_name. Some places check for it and some don't.

Make it clear that a NULL pointer is OK in these fields, and ensure that
all the callers check for that.

Signed-off-by: Jeff Layton <jlayton@redhat.com>
Signed-off-by: Steve French <smfrench@gmail.com>