> for some reason they want it to live under your user account

The entire idea of Openclaw (i.e., the core point of what distinguishes it from agents like Claude Code) is to give it access to your personal data, so it can act as your assistant.

If you only need a coding agent, Openclaw is the completely wrong tool. (As a side note, after using it for a few weeks, I'm not convinced it's the right tool for anything, but that's a different story.)