Thanks for the thought, Joe,
Your method would require setting up an ibay for each username. I was really hoping to use the existing user home folders as the ftp areas for each user.
If I did what you suggest and told the user to login as
ftp://domain.com/ibay, the user could still type
ftp://user@domain.com and expose the user structure.
I'm hoping there is some mechanism to make the folders not publicly browsable
Any further thoughts? Can I change the folders permissions manually?