You can actually delete these folders using the admin pw without problems, the intended way is to create a 'sharing only' user, this doesn't create all the user folders you mention. The problem I'm having is that I can connect using afp doing it this way but not ftp, it says "User testshare may not use FTP"
testshare was a test user I created.
The reason I'm trying to do this is because there is a security issue when you use a normal account, although it allows access to the home folder, you can also go two levels up the folder structure letting you see all other accounts and files. Not good. Still looking for a solution with this