We don't have an "auto create" feature for personal albums, basically a user controls which albums they have through their Album Admin interface; you can make it so people cannot upload photos to the default Members Gallery using permissions so that it forces them to pick an actual album or category.
The Members Gallery area automatically lists all users who have images, so that is already provided. Adding specific albums when a user is "promoted" would be something that you would have to add since while you control permissions based on usergroups and can add/remove permissions, there is no allowance for the auto creation of albums during the process.
Please do not PM me for support or sales questions. Thank you for your understanding.