Questions about rw access to a second hard drive

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https://bbs.archlinux.org – I just had a hard time gaining write access to a second hard drive I installed in my PC. I formatted it with an ext4 filesystem, and the mounting options for the drive in my fstab are: defaults,rw,user,exec. It mounted fine but I couldn't get write access. Changing the mount directory owner from root to my user fixed the problem. The problem with this is that I also have a USB external drive with fstab options of: defaults,nofail,user, which I am able to read and write to, but its mount directory is owned by root. Why am I able to read/write to my external drive whose mount point is owned (HowTos)