First, folders always have the readonly flag set. It's always been that way it's actually used to mark that te folder has or is set to be customized. XP was the same way.
BUT, are these files from a folder or drive that was from an older install of windows? OIf so then they belong to a different user. You need to "Take Ownership" of the folders to get full permissions on them for yourself. THis may help
Take Ownership Shortcut
It's also possible that quicken itself is locking the file down so "users" don't accidentally delete it. Though you should be able to back it up with read only permissions anyway, so I'm not sure /exactly/ what's going on... Try looking at the advanced permissions and see what user does own the file...