I don't know why I didn't pick up on this before, but just noticed in the FM17 Setup there is a special "Secure" data folder. The docs explain that this is for Encrypted Data files with specific passwords set for all users and no "Full Access" guest users. Fine and dandy. But I have Encrypted files in my "normal" database file, and they are working fine.
What is "special" about this separate "Secure" folder on FM 17 Server?