It's alright, but you should advance it more so you can use commands such as
on 2:text:user command:#: {
and
on 3:text:admin command:#: {
This can be done with using guser and luser I believe.
Hmm, and it looks like you are writing a new ini for each user?
I would just do
writeini users.ini $nick $2
and
$readini(users.ini, $nick, password)
etc...