I'm using ecryptfs and was suddenly unable to access or even ls my home directory (but every subfolder is accessible). It just hangs and throws this message in messages/dmesg:
Either the lower file is not in a valid eCryptfs format, or the key could not be retrieved. Plaintext passthrough mode is not enabled; returning -EIO
I read somewhere that perhaps some file or folder is owned by root somehow, sure enough there are some and sudoing to root allows me to access the home directory (my actual home directory, not root's) just fine.
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