IPsec is IMHO not suited for the task. It is host to host and most algorithms
available are primitive. Its also unlikely to appear in many systems until the
US government gets its collective heads out of its collected arse
MD5 is far more interesting because you can keep an MD5 key/user cache via
a user space keyserver and use MD5 signed NFS to do user level security. Or
even a primitve "passord" scheme for per user MD5 signed NFS. MD5 appears to
be both patent free and exportable (its a signing system not crypto)