Why don't you guys use IP's for FTP ?
Ips aren't handed out freely as they once were by the Supreme IP Goddess...
There may be 2-500 or more domains on one IP. Using one for each FTP account would be wasting them. So they use one central
www.yourname.com for a FTP login and hahahahaha the things up the the httpd file to get it all pointed right. (Simplistic explanation)
Now back to being the ditzy redhead. ;-)