What is going on here is this:
1. When you install Office/Access, part of the process is to create a blank workgroup file and register it in your machine's registry. REMEMBER that when you say "in your registry" that it must be done on every machine because every machine has its own different registry file(s).
2. The blank workgroup created by installation contains default groups User and Admins ("s" on the end) and default user Admin (no "s" on the end.) There is a BLANK PASSWORD for user Admin, which is a member of both the Users and Admins groups. By default, the Admins group has every right in the book for every object in the MDB file. I don't recall off the top of my head what the Users group has, but at the very least they can read or see EVERYTHING.
3. If a database has not been properly secured, that means (among other things) that it uses the default WKG file created by the installation process. Which means, Admin user has no password and every right in the book. So if someone else installs Office/Access and connects to an incompletely secured MDB file, or an unsecured one, you are pointing to a copy of the same WKG file - the one that was loaded from the install kit. Which is why everyone and his/her brother-in-law can get into the unsecured database. Same WKG.
4. Securing the MDB file includes but is not limited to making a non-default WKG for it. This involves several steps. Like changing the file name, moving the file to the share location, adjust its permissions so it cannot be deleted by your average user... stuff like that.
The step that stops random browsers is this: Make another account that is also a member of the Admins group. Then REMOVE the Admin account from the Admins group. Leave it in Users group. Also assure that the Users group either has no permissions or read-only permissions. I'm not sure if this factor has changed, but it used to be that you could never remove a user from the Users group - but you CAN tailor permissions for the Users group.
I'm sure Len's document contains lots of other good ideas. But the step I described above is the one that makes the difference.
5. Once you have the MDB properly secured, your users will have to use the correct WKG file to get in. They can do this either by manually joining the correct workgroup OR if you use the command line option in the icon, YOU reference the correct workgroup for them.
The question about "what if someone gets into the icon?" is simple: If you are the administrator and don't allow blank passwords for logins, they will not get anywhere in accessing the MDB file without a valid username/password combo.
The other thing to remember is that a workgroup is in each machine's registry. If you have only one MDB that needs to be accessed, it does not really matter that much if the users manually connect to the WKG. But if they have many different MDBs and many different WKGs, you do them a big favor by using the icon and mucking about with the command line to make the icon connect for them.