ZFS home encryption is misleading for new desktop users

Heya!

When you install FreeBSD with zfs+encrypted home, the home is seemingly "encrypted", but that is only if you login as root, run zfs load-keys and mount the directory. Otherwise, your home directory is an unencrypted directory living in the zroot/home dataset. Running `zfs list` makes it seem that the directory is actually mounted, because you see:

NAME                  USED  AVAIL  REFER  MOUNTPOINT
zfs/home/me        XX   XX   XX  /home/me

However, running df uncovers that the dataset is actually never mounted! You need to first load keys and then mount the disk. I think that's confusing for a new desktop user. I actually thought my home directory was encrypted since that is what I had setup in the installer! I only discovered this because there were no snapshot directory in my $HOME, and so I had created snapshots for an encrypted dataset that was never mounted. 

It feels like an easy mistake to make, and maybe there could be a way to make it more obvious.

Sincerely,
Marc