execute: move suppression of HOME=/ and SHELL=/bin/nologin into user-util.c

execute: move suppression of HOME=/ and SHELL=/bin/nologin into user-util.c

This adds a new call get_user_creds_clean(), which is just like
get_user_creds() but returns NULL in the home/shell parameters if they contain
no useful information. This code previously lived in execute.c, but by
generalizing this we can reuse it in run.c.