Cannot use MC when $HOME/.cache/mc is inaccessible

[fingeros]

Is there an existing issue for this?

• I have searched the existing issues

Midnight Commander version and build configuration

GNU Midnight Commander 4.8.19
Built with GLib 2.53.4
Using the S-Lang library with terminfo database
With builtin Editor
With subshell support as default
With support for background operations
With mouse support on xterm and Linux console
With support for X11 events
With internationalization support
With multiple codepages support
Virtual File Systems: cpiofs, tarfs, sfs, extfs, ext2undelfs, ftpfs, sftpfs, fish
Data types: char: 8; int: 32; long: 64; void *: 64; size_t: 64; off_t: 64;

Operating system

Linux toolchains 4.15.0-193-generic #204-Ubuntu SMP Fri Aug 26 19:20:21 UTC 2022 x86_64 x86_64 x86_64 GNU/Linux

Is this issue reproducible using the latest version of Midnight Commander?

• I confirm the issue is still reproducible with the latest version of Midnight Commander

How to reproduce

Filesystem access problems should not cause the program to not be able to run.

Expected behavior

MC can be started.

Actual behavior

~$ mc
Failed to run:
Cannot create /home/[username]/.cache/mc directory

Additional context

No response