Up to you. If you don't like it, don't use it. I merely propose a way for people who would want to do this.

Wow, I was not expecting such a huge amount of comments.

I've updated the article based on this. Most importantly, removed the proprietary part - indeed, that has nothing to do with the howto. This intended to be a howto, not a troll text. I just wanted to add some background to it, for better understanding.

FileVault is also using a helper process for encryption. I fail to see why FUSE would be slower. In practice, they eat about the same cpu time and have about the same throughput. Never did any real measurements, though.

... and keep that in sync with your primary account. Seems like a lot of work to me.

If you are using time machine to make backups, you have to log out to back you your homedir. This means, you are forced to log out as often as you want to save your work.

Theoretically, you are perfectly right, and I can't argue with you. I could have written this in a more precise and defendable way indeed. Moving over to the practical side, though, there is still the problem outlined in the article. What would you recommend to people seeking a solution? Doesn't this method solve the problem for a lot of people? Sure, not for everybody. But for a lot of people, it does. See, it is extremely hard to make something perfect. One always has to leverage in practice. Even writing a howto is no exception.