Hi mistyben, in fairness, I feel that I have tried to give an explanation in simple terms twice now.
I can say that MYOB is not, as a blanket rule, making desktop files read only - this is important for all customers who may read our conversation to understand.
But MYOB is discontinuing the CAP and Bookkeeper assets, so if you do not move your files from these assets, they will become read only. This is a consequence of discontinuing the assets, and not a decision regarding the access of 'desktop' files.
Therefore you would need to import your files into a V19 asset in order to continue using them, OR you can upgrade into the new partner asset.
Your partner manager is best equipped to have this conversation with you and answer any question you have.