[pdonis]

> I get that you want some division between system and user

Which, as others have pointed out, means various system services running as other users (since you don't want them running as your user, and you also don't want them running as root). On most desktop unix machines that only one person uses, that's the main use case for multiple users (and for multiple groups since groups are used to manage access to various functions like printing, usb sticks, cd-roms, etc.).