Basic Q on creating multiple users

i have successfully set up a few additional users on my account, but i can’t figure out how to take advantage of them.

i want to give limited ftp access to each user — such that each user can upload files to their own personal subfolder via a personal password, WITHOUT any risk of user A overwriting files of users B, C, D, etc…

i have created the users and unique passwords, and i see where dreamhost tells me that each user “lives” at “/home/username”

but i can’t see where/how a user’s files, once uploaded, can actually be viewed in a browser.


here is how it works: