diff --git a/lib/rubygems/installer.rb b/lib/rubygems/installer.rb
index 8fef455..3ef4e30 100644
--- a/lib/rubygems/installer.rb
+++ b/lib/rubygems/installer.rb
@@ -188,9 +188,9 @@ def initialize(package, options={})
     @package.prog_mode = options[:prog_mode]
     @package.data_mode = options[:data_mode]

-    if options[:user_install]
+    if options[:user_install] or options[:user_install].nil? and not File.writable? Gem.paths.home
       @gem_home = Gem.user_dir
-      @bin_dir = Gem.bindir gem_home unless options[:bin_dir]
+      @bin_dir = File.join(Gem.user_home, ".local/bin") unless options[:bin_dir]
       @plugins_dir = Gem.plugindir(gem_home)
       check_that_user_bin_dir_is_in_path
     end