Yeah, that would be a good idea, actually. But yeah, i'm pretty surte the layout i suggested would be better.
I can implement it in whatever to allow the user to specify which way user accounts should be made, /home/ or /usr/, or they can specify the location if they wish
The great idea with this layout is that the folders can be made per user feature, so say a user only has FTP access and web to his or her domain, then that is the only folders they get!