Users unable to write in home directory.

This is an issue with non-jailed users not being able to write in their own home directory.

There is in fact several issues:

1. users cannot create directories for example to use ssh keys via ssh.

2. applications that store data such as for irssi (/.irssi) or znc (/.znc), etc, cannot do so.

3. users cannot create a .bashrc script

I understand the security aspect, however I feel the private folder should be created as the users home directory to solve this issue.