Got it. Thanks for your response. :)
If I login to my server as root using SSH keys over SCP (not SFTP) without password I would expect to be able to use the console to change user.
Say for example I have 100 hosting accounts on the server and I want to login as that user. The most efficient way is to login as root then "su username".
With shell access for that user disabled the console correctly tells me that shell isn't allowed. If it is allowed it hangs. Screenshot attached.