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> SFTP can be used for similar functionality, but it requires users to have SSH access.

Security-wise you set it not to run commands (and maybe chroot) and you're done, right? And difficulty-wise isn't granting SSH access very similar to FTP access?

I don't understand the issue.

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SSH requires a system account. FTP access can be granted and revoked via a database, or even a text file.
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That depends on your server.

But in the most common case a "system account" is a line in two text files, isn't it?

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[delayed]
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