Well I wouldn't say it's a WINDOWS issue as it can be dealt with by custom applcations. Netware is a good example where they take control of things and manipulate what can be seen or acted upon.

Many programs do this by using an Administrator account and place a database of rights on a program that then interfaces with Windows and determines what a user can or can not do.

But yes, out of the box no special software Windows users don't have that much granular control.