When I create a user in the DreamHost control panel, it’s an FTP user. Can this user log into the DreamHost control panel with these FTP codes? In other words, can the user access my panel but see only their stuff?
It is not “their stuff”, it’s yours - or at least you are responsible for your account, no matter who you allow to access it.
Having said that, you can grant people limited access to your account through Account Privileges
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