The first part happens in Cognito so I guess you need to define a default configuration so that all new users end up in the User group in Cognito. For the second part there is no out of the box solution as far as I know, you would have to come up with something yourself.
This is something you can set up quite easily with templated role mappings. You would need
I would also like to point out that the 1 index per user approach is not the only applicable one for authorization, you can and should look into Document Level Security and Field Level Security that might allow you more granular control without creating new indices for each of your users.
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