I want to have encrypted home folder while still being able too login with ssh key without password or passphrase. The instructions here
https://help.ubuntu.com/community/SSH/OpenSSH/Keys are lacking.

Found https://stephen.rees-carter.net/thought/encrypted-home-directories-ssh-key-authentication instead. So for me running bash, what's lacking is to mount the in .profile:

cd /home/viktor

This file is normally superceeded by .bashrc but here we need it.