When creating OS images as a non-root user, it may be useful to
pre-create users in the staged tree. The useradd operation adds files
to the new user's home directory, copied from the skeleton directory
(/usr/share/skel), which makes it inconvient for use in this scenario.
To cover this gap, this change adds a new -M <metalog> option to pw's
useradd operation, causing pw to add mtree entries for newly added
files.