can we run ftp or sftp from single user account?

I have installed ftp and sftp on my linux mint system, for wordpress file transfer I had to create new user account for ftp and sftp on my system during the installation process. Is it possible to run ftp and sftp from home user account, if yes, how to configure it. And if single user account access is possible- what is advisable to have - multiple/seperate user accounts for ftp/sftp OR a single account merged with home user should be used Tried searching for solutions on various forums, but did not get any clarity Adding for more clarity: For wordpress, i referred this link wordpress installation To upload wordpress files to github, i required to convert it to static site, so for using 'simply static' wordpress plugin, i required ftp to upload files from my local wordpress installation. Below are the links i used for ftp and sftp installation- I used these 2 links for ftp installation ftp install link 1 & its user creation snap ftp install link 2 & its user creation snap and for sftp sftp install link & its user creation snap in both ftp and sftp , had to create new users for using them on filezilla/ftp client So i want to clarify , if I can use my default system user for ftp/sftp access and how to configure it. And what is advisable to create new seperate users and the reason for it. I searched how and why for cant I use the system user for all these server process, but did not get any clarity from internet