Non-Linux FOSS: CreateUserPkg
For Linux users, scripting user installation is fairly simple. It's possible, but not quite as simple with OS X. Thanks to Per Olofsson, it's possible to distribute user accounts as installable packages that are as simple as a double-click to install.
Managing user accounts is something all sysadmins have to do, and with CreateUserPkg, it's simple to install and distribute. It also includes the ability to create auto-login users, which is convenient, but it does add security concerns since the password can't be encrypted in the PKG file if it's going to be activated as an automatically logged in account. Like all powerful tools, this one can be dangerous, so use only as appropriate!
Check out the program or its source code at http://magervalp.github.io/CreateUserPkg.