[Dovecot] Confused about Maildir

[Glen Lee Edwards]

I'm trying to configure Dovecot 2.0.7.  In the Dovecot Wiki for Maildirs 
it says that Maildirs are almost always located in ~/Maildir.  I'm a 
Linux end user, not a programmer, so I may be wrong in this; but isn't 
the notation "~/" used for system users only to reference their home 
page; /home/<user>?  If that's the case, then does that mean that 
Maildirs can only be used with system users and not with vmail accounts?

Glen