Did you see that it pops up a message box when you try to log in with a username that doesn't exist? It says (if you entered tom)
"User 'tom' does not exist, do you want to create it?"
If you click No, it goes back to the login screen; if yes, it creates it with the password ***** entered, and says
and then proceeds to your new, empty account.
I thought that was pretty clear that way, except perhaps the fact that your password ***** ***** whatever you had typed (even if empty)
We can make that whole part fancier if you want, but first I'd like to get through the rest of the real meat of the project, with the accounting part.
I'll continue working on it tomorrow.