Improve: Allow SMTP with no password and user_name

[dapi]

Hi!

When we use local SMTP without password and user_name there must be no empty user_name and password in SMTP settings.

Before this patch:

> [1] pry(main)> ActionMailer::Base.smtp_settings
=> {:address=>"172.16.0.56", :port=>"25", :user_name=>"", :password=>""}

After this patch:

[1] pry(main)> ActionMailer::Base.smtp_settings
=> {:address=>"172.16.0.56", :port=>"25"}

thank!

[sonarqubecloud[bot]]

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