I think the scheme that Toni suggested could work but there are some caveats.
- Granting access 'All Authenticated Users' group would break your security model. This may be problematic, as power users can sometimes grant rights to items in SharePoint.
- If you didn't want to manually enter new users into SharePoint user groups on each of the site collections (Within the web application), you would need to work out some AD group scheme whereby users in each of the sub-domains are added to a security group, each security group is granted base-line permissions on a site collection.
Alternatively you could create 3 Shared Service Providers, one for each Sub-domain and associate them with the appropriate Web Application.
jt