I am attempting to have a site that users can reference files by www.mydomain.com/user without actually creating any directories, rather get the data from a database at script level.

I have been able to do:
www.mydomain.com/myscript/user
no problem by adding
ForceType application/x-httpd-php
to the htaccess file. But I need to be able to have the DirectoryIndex file implicitly accessed using ForceType:

I have set: DirectoryIndex default

www.mydomain.com/default/user works fine but
www.mydomain.com/user gives a 404???

How do I fix that?