Contain all users inside an additional directory


I would like to be able to store all user data inside a specific directory inside the data directory.
For example, all created users will be created in:

The reason for this is I want to mount a remote storage drive to the “users” directory. I want to use server side encryption on this remote drive. If I have the “data” directory on the remote drive the encryption key is also stored on there as well which is pointless security wise (I need the encryption key and the user data separate).
I would like the security key to be stored on my secure cloud server (with the nextcloud installation) but all user data to be stored encrypted on the remove drive.
I don’t want to use external storage because the data is not stored and contained in their own user directories in there.

Does that make sense?