I don't think they should mess with their settings now that they have done full reinstall of the game and if the game is working perfectlySounds like your Windows file/folder permissions are a bit screwed up.
Assuming that Windows is installed on your C drive:
On a default installation FFXIV should install under "C:\Program Files\Square Enix" (if memory serves - I install games onto a different drive to improve performance).
The configuration, screenshot and settings files should be under "C:\Users\<your username>\My Games\Final Fantasy . . ."
Config files should be able to copy/cut and paste no problem without requiring admin prompt (unless you're trying to paste them into a restricted location such as the root of C:\, or Windows folder).
You could check your permissions by right-clicking a file and going to Properties > Security - look for either explicit permissions for your username or the generic "Authenticated Users" group (or if your account is an administrator look at that group too) and see what permissions have been provided. You should have at least modify permissions to everything in the FFXIV folders otherwise the game won't be able to save updates and likely crash out.
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