After briefly reading about systemd's tmpfiles.d, I have to ask why it was used to create home directories in the first place. The documentation I read said it was for volatile files. Is a users home directory considered volatile? Was this something the user set up, or the distro they were using. If the distro, this seems like a lot of ire at someone who really doesn't deserve it.
Recently LTT built a $100k PC desk for a Minecraft streamer. Sometimes the over the top engineering/materials (and thus cost) around something is the entire point. If they gave it a fair shake, and still called it a bad product, and then returned it. There wouldn't be an issue. It being a bad product isn't the issue.