Home owner directory changed to `vyos` for the user after reboot.
```
set system login user foo authentication encrypted-password '$6$rounds=656000$J4tyWgIuk9b2x42.$w5Jwizza0dvVa3xOXUIsw60HK5RF3nnfxotE0/9ZRIpXECVtWt3ssI9o0UMoYLt8zKh3jFgro818y5V1Bm0Pr/'
```
Before and after reboot
```
vyos@r14:~$ ls -la /home/foo
total 28
drwxr-xr-x 3 foo users 4096 Aug 28 14:31 .
drwxr-xr-x 1 root root 4096 Aug 28 14:30 ..
-rw------- 1 foo users 51 Aug 28 14:31 .bash_history
-rw-r--r-- 1 foo users 220 Apr 24 00:23 .bash_logout
-rw-r--r-- 1 foo users 4072 Jan 11 2021 .bashrc
-rw-r--r-- 1 foo users 675 Jan 11 2021 .profile
drwxr-xr-x 2 foo users 4096 Aug 28 14:30 .ssh
vyos@r14:~$
reboot
vyos@r14:~$ ls -la /home/foo
total 28
drwxr-xr-x 3 vyos users 4096 Aug 28 14:31 .
drwxr-xr-x 1 root root 4096 Aug 28 14:30 ..
-rw------- 1 vyos users 51 Aug 28 14:31 .bash_history
-rw-r--r-- 1 vyos users 220 Apr 24 00:23 .bash_logout
-rw-r--r-- 1 vyos users 4072 Jan 11 2021 .bashrc
-rw-r--r-- 1 vyos users 675 Jan 11 2021 .profile
drwxr-xr-x 2 vyos users 4096 Aug 28 14:30 .ssh
vyos@r14:~$
```
Most likely after TACACS+ implementation https://github.com/vyos/vyos-1x/commit/3ec727670de02cac06321719a0323650046d54a1
It also affects key-based authentication (for user vyos).
```
Aug 28 14:48:53 r14 sshd[3157]: Authentication refused: bad ownership or modes for directory /home/vyos/.ssh
Aug 28 14:48:53 r14 sshd[3157]: Authentication refused: bad ownership or modes for directory /home/vyos/.ssh
```