I guess there are lots of different answers to the question: "how should I structure my server and all the users" ... but due to the fact I do not even know ONE anser :stickout where do you:

1) create ssh users?
in /home/USERNAME?


2) create web users (ftp root access and where apache is pointing to)?
in /var/www/html/USERNAME?


I've seen that when creating a new user with ssh all the ssh related files are stored inside /home/USERNAME.... and this is where ftp jumps in by default...

thanks for helping a dummie like me :D

Do you have any control panel installed?

webmin