Why can’t we add files directly into the home directory?
As per standard Linux security protocols a user, especially an SFTP user, should be jailed into a max parent directory.
/home/example is that such directory for LittleBizzy and this level stores certain cron jobs and other config files owned by the root
/home/example/www is the public files directory and the only place where users can upload or edit files (or below that level)