You may want to look into useradd and /etc/skel on a Linux system. It
has everything you are trying to accomplish handled automatically
by using the standard Linux user creation techniques. No need to
re-implement the wheel. :)
That's just it ... we didn't want to have to create whole new user accounts for everybody. Just a small directory of files for a demo of our web-app.
I'd be happy if all the apps weren't apache:apache ... but I was thinking there had to be a better solution than `chown nobody:nobody $directory -R` (just an example !!)
I will take a look though at /etc/skel ... I hadn't heard of it.
-Chris