

Bud…been doing this for 20 years. Don’t need your explainer.
The fact you didn’t mention the barest of minimums in your comment if where the issue lies. You’re just adding stacks on stacks of things by using any other network mount and having the user manage an encrypted image inside that mount. Also absent from what you were trying to explain. I’d work on that.
Point being, for a multi-user/tenant utility like OP is asking for, there are better tools for the job, of which I just named a couple standalone options. If they are running TrueNAS, Synology, or QNAP, or even NextCloud, there are already built-ins for this purpose, and apps to match.
If not, any of the other solutions I mentioned are much better suited for the use-case, especially, and if not only because, OP specifically said they DID NOT want exactly what you’re describing.












All the catches