Previously, we'd only set the shell to /usr/bin/nologin and lock the
password for system users. Let's go one step further and also lock the
whole account.
This is a paranoid safety precaution, since neither disabling the shell
like this nor disabling the password is sufficient to lock an account,
since remote shell tools generally allow passing different shells, and
logins into ftp or similar protocols don't know the shell concept anyway.
Moreover, in times of ssh authentication by password is just one
option of authentication among many.
Takes inspiration from the recommendations in usermod(8)'s -L switch:
"Note: if you wish to lock the account (not only access with a
password), you should also set the EXPIRE_DATE to 1."
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