Win98 had Guest/Admin privileges, right? I don’t remember. Set yourself up as the admin, and make everyone else a guest.
Some games didn’t like working under a limited user account.
Win98 had two choices, limited or admin.
Game companies smewhere in there said “ we will require these services from the os”, thus breaking your ability to properly secure the machine.
I think you can edit what shows on the desktop under user accounts in control panel.
Don’t rightly recall with win98.