Description of the need
Often time I hover the User accounts item on the admin bar just to realize it's only for adding new users and managing existing ones, and that in order to manage other user configurations (such as account settings, login settings, permissions, roles, fields, etc) I need to hover Configuration and then User account instead.

Personally I find the current locations of user configuration links at two different places confusing.
Proposed solution
To disambiguate the current state of user-configuration links, I propose to move the User accounts sub-menu link from Configuration to under the top level User accountslink and re-name it to something else (not to have two User accounts links). For example, we could rename it to Configure user accounts as shown on the screenshot:

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