This is due to the way you're using inotifywatch, and the way the tool itself works. When you run inotifywatch -r /tmp, you start watching /tmp and all the files that are already in it. When you create a file inside /tmp, the directory metadata is updated to contain the new file's inode number, which means that the change happens on /tmp, not /tmp/test-1. Additionally, since /tmp/test-1 wasn't there when inotifywatch started, there is no inotify watch placed on it. It means that any event which occurs on a file created after the watches have been placed will not be detected. You might understand it better if you see it yourself:
$ inotifywatch -rv /tmp & Total of n watches. $ cat /sys/kernel/debug/tracing/trace | grep inotifywatch | wc -l n
If you have enabled the tracing mechanism on inotify_add_watch(2), the last command will give you the number of watches set up by inotifywatch. This number should the same as the one given by inotifywatch itself. Now, create a file inside /tmp and check again:
$ inotifywatch -rv /tmp & Total of n watches. $ touch /tmp/test1.txt $ cat /sys/kernel/debug/tracing/trace | grep inotifywatch | wc -l n
The number won't have increased, which means the new file isn't watched. Note that the behaviour is different if you create a directory instead :
$ inotifywatch -rv /tmp & Total of n watches. $ mkdir /tmp/test1 $ cat /sys/kernel/debug/tracing/trace | grep inotifywatch | wc -l n + 1
This is due to the way the -r switch behaves:
-r, --recursive: [...] If new directories are created within watched directories they will automatically be watched.
Edit: I got a little confused between your two examples, but in the first case, the watches are correctly placed because the user calls inotifywatch on ~/* (which is expanded, see don_crissti's comment here). The home directory is also watched because ~/.* contains ~/.. Theoretically, it should also contain ~/.., which, combined with the -r switch, should result in watching the whole system.
However, it is possible to get the name of the file triggering a create event in a watched directory, yet I'm guessing inotifywatch does not retrieve this information (it is saved a little deeper than the directory name). inotify-tools provides another tool, called inotifywait, which can behave pretty much like inotify-watch, and provides more output options (including %f, which is what you're looking for here) :
inotifywait -m --format "%e %f" /tmp
From the man page:
--format <fmt> Output in a user-specified format, using printf-like syntax. [...] The following conversions are supported:
%f: when an event occurs within a directory, this will be replaced with the name of the file which caused the event to occur.
%e: replaced with the Event(s) which occurred, comma-separated.
Besides, the -m option (monitor) will keep inotifywait running after the first event, which will reproduce a behaviour quite similar to inotifywatch's.