Getting at User-Level Security Wizard functions from VBA

[Threadbear]

I've been trying to set up user-level security for a VBA-generated Access (2000) database programmatically. Basically, I'd like to understand if there are VBA-equivalent routines that would mimick the results produced by running the User-Level Security Wizard from within Access.

So far, I can:
1) Create an mdw file using either ADO cat.Create method (although, I haven't found that the "Jet OLEDB:Create System Database=True" does anything useful).
2) Run the Wizard on a database, then use VBA to add groups/users based on the Wizard-created (locked) mdb

I can't:
1) Create a VBA or wrkgadm.exe -generated mdw file that isn't doubleclick-openable to the default user with Access (whereas the Wizard-generated one is locked somehow). I thought that a JRO Encryption routine might do this, but it seems not.
2) Set up users and groups explicitly within the generated mdw file (only via an associated mdb file)
3) Create a new mdb file using VBA that uses My.mdw as the system database and yet cannot be opened simply by clicking on the generated mdb file.

Can anyone explain exactly what the Wizard is doing to set up a workgroup info file, add groups/users, and lock both the resulting mdb and mdw files?

Thanks.