Create custom directories in user homes

- this functionality is purely for 'sftponly' accounts where you need
  a subdirectory owner by user in their home directory owned by root for
  user to be able to upload files. But since user definition is the same
  for all users now, normal and "git" accounts can also use this mechanism
  without any defaults;

- tasks create directories using 'mkdir -p' in home directory, it best
  not to use any special characters or subdirectories;