Actually, I have 3 accounts, one admin acct and two standard accounts for myself and my wife. I established the separate admin account primarily to be the installer of apps, per security concerns that I inherited from my early Tiger days (and may not be necessary anymore).
I know that the privilege settings for the top-level subfolders of the home folder generally act as locked gates to all but the owner for access to what's inside each of them. But, I wasn't sure if someone might be able to access a resource inside such a subfolder if (1) the privilege settings of the resource allow it ('644 for example) (2) the access request provides the full path to the resource.
So I did some experiments with Finder and also with Terminal ... and discovered that at least my simple straight-forward attempts to access a file by it's full path failed. I'm no UNIX mavin, so my Terminal experiments didn't prove there was no way for a more knowledgeable non-admin to go around a blocking folder ... ergo I sent out this inquiry.
If there were a way for a non-admin user to circumvent the privilege blocks in the primary home sub-folders (by giving the full path) ... I can image a scenario where one of our standard accounts is inadvertently infected by malware, which would exploit the vulnerability of unprotected files lying inside a protected folder.
It sounds as if you're telling me that to your knowledge this is not possible.