create user &1 identified by &2 
default tablespace ...
temporary tablespace ...
/
grant connect, resource, dba, xdbadmin to &1
/

declare
  result boolean;
begin
  begin
    result := dbms_xdb.createfolder('/home');
  exception
    when others then null;
  end;    

  dbms_xdb.deleteresource('/home/&1',dbms_xdb.DELETE_RECURSIVE_FORCE);

  result := dbms_xdb.createfolder('/home/&1');
  result := dbms_xdb.createfolder('/home/&1/questions');
  result := dbms_xdb.createfolder('/home/&1/surveys');
  -- etc...
end;
/