Hi Jon,
Thank you for your kind words. I too am a bit confused with your questions.

Protecting the mail directory with password protection isnt going to help.
You need to login to cPanel > Mail > Configure mail accounts > Add new email account eg:
test@wysifa.net.
Access that specific email account using
http://wysifa.net/webmail with
test@wysifa.net as username & it's respective password.
In short, you can create multiple mailboxes & access them from the same URL ie:
http://wysifa.net/webmail
Please let us know if you need any further help into this. Also, I'd recommend you to place a ticket or email our support desk [support@eukhost.com],
you'd receive faster responses that way, as we have little staff to look after the forum replies at this time of night

Hope you can understand...