[juneau-lug] lock user account with a warning

Does anyone know of a method to lock a user account and present a message or 
warning when that user attempts to log in?

issuing `passwd -l user` will lock the user account out - but the system will 
just tell them that they typed the wrong password.

What I'd like is for the system to give an arbitrary message when they fail -

"Your account is locked until you clean your room"

is the specific message I have in mind.

Ideas?
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