Better error when there is no `.` in the username or tenant `reference` in the `options` params

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Respond with a good error message when there is no . in the username to split on to pull the tenant from and there are no options params to pull the tenant from either.

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Can't replicate:

The log for bad password:

ClientHandler: Exchange error: "Wrong password" when method :auth_query

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And when I try a user which does not exist:

And the log message:

ClientHandler: Authentication auth_secrets error: "There is no user 'joe' in the database. Please create it or change the user in the config"

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Closing for now...

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Updated and re-opened