on solution don't instatiate fragments as a way of retrieving state

[RedJocker]

• don't instatiate fragments as a way of retrieving state
  • fragments should be intatiated only for being displayed
    • using nav graph the intatiation is done for you, so you should not need to do it
  • the overall design of you solution is not good
  • classes ideally should have only one clear responsibility

[RedJocker]

I have created a branch alternativeSolution in which I refactored your solution using ViewModel and LiveData to manage User data state.

take a look on that, if you want you can create a new branch for that and then I send you a pull request with that branch

https://github.com/RedJocker/android-bank-manager-review/tree/alternativeSolution