Also I just updated my earlier post to clarify that this will only work for newly created users. Unfortunately if you've already created the new users, then this won't work.

However, you could create the folder hierarchy for existing users pretty easily with a script if you wanted (and this could be modified to work in scenario 2 as well). Assuming that all the Linux user home directories are in the default place (/home/USERNAME) then this should do it:

REQD_DIRS="folder1/folder2 folder1/folder3" # space separated list of sub dir paths to create
for home in /home/*; do
    if [ -d "$home" ]; then
        for dir in $REQD_DIRS; do
            mkdir -p $home/$dir
        done
    fi
done

This won't care if the required directories already exist or not.

In scenario 2, you could probably just run that as a cron job. You'd also have to adjust the default user home base directory. OTTOMH, I'm not sure what it is, but once you work it out, adjust /home/* to be /full/path/to/user/homes/*. I'm not necessarily saying that's the best way, but it's one way! :)