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Most users use ftps with these apps (not scp or sftp), so no ssh user is required then.
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Thats because most users are stuck with cPanel or simply don't have access to something as simply and cool as ISPConfig!
I prefer SFTP because it has several pros like one connection (no need for DATA ports), native support for keys, its directory listing is uniform, standard and consistent mechanism for file and directory attributes, includes operations for permissions and file locking and more functionality (used in some IDEs GUIs, etc.).