If setting passwords in Windows 98 SE, typically you need to use a password to log into the network. If that fails, it doesn't say so, but asks for your Windows password, so you can access the local machine.
If you get into the local machine, you can then access the network anyway, at least if it's by direct cable connection to a Win95a machine. I could read a directory I haven't opened in weeks.
I recently changed passwords and discovered this. Won't fix it; just an observation (I'm the only user). Granted, Win9x was always less secure than advertised (even counting its built-in help) and isn't going to be patched. Still, I'm surprised at just how loose it is, given that a password box is present.
I gather Microsoft was still supporting Win98SE for school markets paying annual fees after it ended consumer support, so this sort of thing may be of interest to newer customers.