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