Use effectiveUserId for credentials

Credential-related stuff should use effectiveUserId instead of userId.
Otherwise, authenticating for work profile will not work when one-lock
is enabled.

Fixes: 147653255

Test: Comment1 and Comment2 in the bug linked above
Test: atest com.android.systemui.biometrics

Change-Id: Icd9ad3fc69695cec509e3532b2b54d93833b94b5