Splitting is always recommended in a multiuser setting, or you risk
corruption.
The default workgroup when you first install Access is system.mdw It ships
with that and uses it in all sessions of Access (it silently logs you in as
'Admin').
Since system.mdw is the same on every computer, anyone can open an unsecured
mdb.
When you secure a mdb, you create a new workgroup file. If you follow the
steps properly, your database can only be used if the secure mdw is being
used.
The 'default' workgroup is the one specified in the workgroup administrator.
One person should not be setting up security on their computer alone.
They'd need to follow a series of steps to secure it properly. Then they'd
need to put the secure workgroup file on the server along with the backend.
Each user would then need a desktop shortcut to launch the secure database.
Security is a complicated topic. You need to study up and practice on a
copy of your database.
Security FAQ
http://support.microsoft.com/?id=207793
Security Whitepaper
http://support.microsoft.com/?id=148555
Although the whitepaper is old, it contains information to help you
understand security.
I've also outlined the detailed steps at
www.jmwild.com/AccessSecurity.htm