Well, with a program/web app or whatnot, you really wouldn't need to change the ftp password, because it could be hidden. If there was a password changing option added, then it would be restricted to owner, and global access permissions, which would also send/leave a message of some sort to the global/owner people letting them know that it was changed and what the new password was. (which could be randomly generated I'm sure of.)
I don't know, maybe I'm thinking too big or too complicated, this is just merely a suggestion in hopes that I can get some other people's wheels turning and come up with something to make the struggle of playerworlds easier on everyone. I know it can be a pain, because I used to run a playerworld myself.
Anyways, feel free anyone to drop more suggestions and whatnot.
Time for me to finish installing ICQ and rush to work.
Laterz!