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:

users cannot create directories for example to use ssh keys via ssh.
applications that store data such as for irssi (~/.irssi) or znc (~/.znc), etc, cannot do so.
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.