[Help] New version of vsftp's chroot settings

[Help] the chroot setting of the new version of vsftp-Linux Enterprise Application-Linux server application information. For details, refer to the following. I have been using vsftpd as an ftp server. I recently upgraded the ubuntu system, and the vsftpd version was upgraded to 2.3.5-1. Then I used the original configuration file. I found a problem during login:
500 OOPS: vsftpd: refusing to run with writable root inside chroot ()
If chroot is enabled to control the user path, the user cannot write the user's root directory.
Solution 1:
Remove the write permission of the root directory of the user, create a new directory, and then use the new directory
# Sudo chmod a-w/home/User Name
# Sudo mkdir/home/user name/new directory name
In fact, it is very inconvenient. When users log in, they will find that they have to go to another directory to find their own files.

If you have to ensure that the ftp user root directory is writable,
Solution 2:
Users that are not restricted are written on vsftpd. chroot_list. Other users are not allowed to "drift ". One user name per line
Sudo vim/etc/vsftpd. chroot_list
However, there is also a risk that the ftp user can browse other directories in the system, and the meaning of the chroot setting is lost.

Is there a better way to use the chroot function without removing the write permission for the root directory of the user?