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...