Using mod_php is a much higher risk for the following reasons:
1) It runs the site under the apache user and not the website specific user, so if your site gets hacked, then the hacker can infect all other sites on your server easily.
2) With mod_php you have to run very "open" chmod settings to make folders workd writable for joomla which is not required for fastcgi / suexec.
3) If you want to isolate apps, then you put them in a separate subdomain and not a subfolder.
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