Crazy idea: what if we were to just nest a personal directory within ~?

i.e., New standard directory `~/personal`, new environment variable, $PERSONAL.

If we could come up with a default `~` like character for globbing to `$PERSONAL` like `~` does to `$HOME`, say, `@` (obviously that isn't the char to go with and I'm not a BASH expert to be able to pick one not already occupied). All your personal dotfiles are in `~`, all your personal files are in `@`. Default `cd` without args to `$PERSONAL`. No worries about tons of files that are in `~` because you live in `@`.

I already kinda do this, ~/company for work, ~/kt for personal, and a bash scrip it’s alias’ and vars to make it easy

This is adding pain for the victim to get around abuse. And then abusers would simply pollute $PERSONAL.

“There is no problem in computer science that can't be solved using another level of indirection.”