Well, if the website you are buying needs a Mysql database or if it's script based (not simply html and image files) than obviously if you want somewhat else to set it up for you that someone will need access to more than just FTP.
Does it use Mysql, well someone needs to create a database. Does the script need a cron-job set up, well, someone has to create said cronjob via c-panel, do some changes or whatever in phpmyadmin, yes, only via c-panel.
I don't see a problem with someone who is going to set-up a website for you asking for your FTP info.
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