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The cause is that the file does not have the correct permissions to be able to write to the database.

One method that I have found reliable, using FP2000, open your web live (file > open web > your address)
Now, if you have an \fpdb\ directory already, click on it and delete the spooky_login2000.mdb file if it exists.

Click file > import and locate your local copy of that database
Import it and agree to the connection and placement options.
9/10 times this will fix the permissions problem.
The other 1/10 you will need to contact your host to enable read / write for that database directory.