It is not dumb. I will ask a silly one back, what permission do the users have on the sharepoint site. I assume they have less rights.
One a side note, I have found that when I develop with the same rights as a user, I tend to not hit some of these problems. The idea is that as you need more rights, give them and you will not run into these issue in production. Not trying to lecture...trying to spread the knowledge...
Jason
http://www.k2distillery.com/