Updating MXKAccount related settings makes settings table view jump around

### Steps to reproduce

1. Go to Settings
2. Find a setting that would update MXKAccount, for example Theme setting
3. Position this setting near the bottom of the screen
4. Modify said setting

### Outcome

#### What did you expect?

Table view standing still.

#### What happened instead?

Depending on current position, table view jumps/scrolls around. This is due to userAccount observer triggering a reloadData/reloadSections even if no data changed.

### Your phone model

Any, Simulator

### Operating system version

15.4

### Application version

develop

### Homeserver

_No response_

### Will you send logs?

No

Start in the Settings screen and trace the userAccount observer involved when an MXKAccount setting such as Theme changes. Inspect the reloadData/reloadSections calls, then verify that changing a setting near the bottom leaves the table view stationary on iOS 15.4 or the simulator.

Written by the indexing model from the issue text.