Well, I still do not understand it all...
Thanks for the suggestions...
I cannot see how some executables find libraries under root and not under a user.
I have checked permissions, environment variables, library "hints" files, re-ran ldconfig, etc...
Curiously SOME executables linked to libraries in /usr/local/lib worked both as root and user but SOME did not!
Specifically adding a LD_LIBRARY_PATH pointing to /usr/local/lib worked but the font used by mc was screwed.
In the end, I uninstalled the offending utilities (which I had installed using the "ports" system by compiling them) and then restored them using the "pkg_add" system which downloads and installs binary packages from the FreeBSD archives. Automagically, they now work....
FWIW: FreeBSD does not have a linux style "/etc/ld.config" file. It does have a "hints" file buried away in the /etc/ directory but this already contained /usr/local/lib. Compared with Linux there are a few quirky goings on! However, compared with Opensolaris,
it is sweetness and light!