I believe I know what your talking about, and while you can do it manually, it can be a chore if your site is busy.
In the admin panel, you need only to create another gallery directory with the users name as the gallery name. Then set the upload to private.
Then go to Edit User, and find that user, then chose their permissions and allow them to upload to that gallery.
I'd love to get a mod that would automate this. If it were cgi and mysql, I could probably do it easy enough with just "if" statements amongst other things to have the script create the users directory upon activation and set the permissions to only allow that user to upload to it. But this is PHP and Im not knowledgable enough to do this. But if one really wanted to, you could probably grab parts from the admin control panel and insert that into the activated registered users php script to do it for you. But thats beyond my knowledge.
Hopefully some kind soul will create a mod that will:
1. When user clicks on the activation email link, it will take them to the page saying their account is activated and
2. Create a subcategory (with the users name as the category name) in the mysql database and
3. Set the permissions of that subcatagory to only allow uploads by that user.