Please read here: http://www.zenphoto.org/news/an-overview-of-zenphoto-users
I write again because i hope you missunderstand me.
I want as an example an subfolder with 3 Pictures
and i have 3 Users
There is no chance that i can Configure that User 1 sees pic 1 user 2 Pic 2 and user 3 pic 3.
I thought i realize that with the owner field?
user 1 is owner of pic 1 ?!? etc.
No, there is no configuration for that because as said you can only assign rights to top level albums (why is explained on the article).
If you need to sort out that by owner you have to code that on your theme. But of course leaving out images will confuse pagination.