if mountpoint has a ".disk" directory it is mounted

if mountpoint has a ".disk" directory it is mounted

Checking that parent-directory of mountpoint and mountpoint are on
different devices is fine most of the time, but is too restrictive
for our testcases and there shouldn't be anything wrong with 'normal'
users copying disk-contents around either if they want to.

We check for the existance of the ".disk/" directory now as this will
not be present if the disk isn't 'mounted'. Disks doesn't need to have
such a directory through, so for those we fall back to the old way of
detecting mounted or not mounted.