Database user accounts

[eluser]adamp1[/eluser]
I was just wondering what other people do when it comes to database user accounts for a website that need to read and write to the database.

I was taught that you should have 3 users.
1. An admin account which can create tables and perform maintenance on your database
2. An account which has read/write access to the database
3. An account which only has read access

The reason for this is no-one uses the admin account apart from the developer. Only the people in the control panel use the read/write account and the public only ever use the read account.

I don't know how this would be applied to CI but the only way I can think of is multiple DB connections.

It is a bit more complex but has added bonuses for security. What does everyone else do?