Locked out

Sounds like you've used File Options to automatically log in with a restricted password. If you don't get a password dialog when you open the file, that's what is happening. If so, hold down the option key (mac) or shift key (windows) while opening the file to force it to ask you for a password.

Thank you.

I've reset what I think should prompt for a user account and password when the file is opened, but FM just opens the file under the last user's account without asking for user account and password.

What am I missing?

Might KeyChain (Mac OS) or a Windows equivalent be supplying the credentials needed to open the file?

Mmm. Windows.

I don't see how, but something must be inserting last-used credential to open the file. Is there anyway to dig deeper, or force a <shift> while opening?

I've been prompted for user account and password before; in fact that was normal until I started setting up account privileges.

What is currently set up for accounts in Manage | Security for this file?

It turned out I had toggled "allow credential manger to save password." I had assumed that would allow users to set their own password, but it auto-loaded the credentials upon opening the file.