Bank proxy panic on creation of Community Spend Proposal to new account

[cyborgshead]

During proposal creation gov module executes proposal's content in cache-wrapped context

cacheCtx, _ := ctx.CacheContext()
handler := keeper.router.GetRoute(content.ProposalRoute())
if err := handler(cacheCtx, content); err != nil {
	  return types.Proposal{}, sdkerrors.Wrap(types.ErrInvalidProposalContent, err.Error())
}

This not cause state change but triggers hook with SendCoins in our bank's proxy module to index given address (in this case community pool spend proposal recipient).
If address not already exist this will follow to panic on nil pointer on GetAccountNumber
https://github.com/cybercongress/go-cyber/tree/master/x/bank/internal/keeper/index.go#L91

accNum := cbd.AccNumber(s.accountKeeper.GetAccount(ctx, addr).GetAccountNumber())