Something many people don’t seem to realize is once a person has physical access to a database the only thing seperating them from getting into it is a little knowledge. This is why web apps are much more easily secured than downloadable apps could ever be.
Such is the situation with excel spreadsheets. They use such laughably easy to break encryption that even the slowest computers can be into them in seconds. If you’ve ever forgotten your password to an excel spreadsheet check out the macro posted on McGimpsey’s website.