End-to-End encryption for all files/dirs deposited in a user account

Is there a way to encrypt everything in a user account?

As I understand, to use end-to-end encryption I have to create at least one empty directory in the user account dir to start with encryption. I can activate encryption for this directory in the client and whatever I put into this dir, is encrypted when ending at the server.

Is it possible to configure Nextcloud so that whatever I put into the root dir of the user account, is already encrypted without creating the empty directory at first?