Hello Tmaas,
The password system is a very good idea, it reminds me of the copy-protection schemes of old computer games...
I would like to allow users to upload material, but rather than make them immediately available to all, I will review them and make sure they are OGC. If they pass the inspection, then they would be made available. In particular, I'd love to see people write their own adventures and make them freely available. For this, and other user-created material, there won't be much trouble with licenses etc.