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The users url's would be something like:
and so on..
(just a further explanation on what I was thinking)
An Australian claims, that somebody uploaded copyrighted materials and filled some minutes later a DMCA.
AdSense is a long term income source, and should not be risked for some gimmicks.
I would recommend you go ahead with no Google ads until you reach enough traffic, then talk to Google and negotiate a premium deal before inserting their ads, basically we are talking years of free running with no Google earnings, you can always run other ads meanwhile to justify the costs.
I do know some forums that run Adsense, so I guess you have some leeway when you can't be held responsible for user content, but I think you'd have to delete offensive content just to be safe. As I say, though, a user's webpage is considered a more personal thing than a forum post, so you generally can't edit it without offending someone.
I tried the same thing by providing free sub domains.,
The very first webmaster who I gave a sub domain put adult material on the webspace I provided him.
I explicitly prohibited this but he didn't care.
Kicked him out. The second webmaster did the same thing, adult stuff again. I cancelled the program after a day. So much for trusting strangers...