schroot Don't Share Home Directory
By default, schroot mount directories according to filesystem table file /etc/schroot/default/fstab. You could comment the line start with /home so that schroot won't bind-mount the home directory.
You could also specify other filesystem table file by editing schroot conf file. For example, if you add setup.fstab=minimal/fstab to the end of /etc/schroot/chrood.d/[your chroot's].conf, schroot would filesystem according to /etc/schroot/minimal/fstab.