It's not that Wine runs things as an administrator

yes, it is that

Wine emulates the Windows virtual filesystem by creating and using a directory in your home (by default), which means you own the entire thing;

I was always installing fitgirl games to my other drive, where I owned the entire thing. I know because I remember I set the ownership.

However, the existing Program Files folder in your OS drive (C: by default, idk if you can change its volume letter) is owned by... I have no idea, actually, but it's a system account, not yours.

The last paragraph may be inaccurate, I was much less

I have never installed fitgirl games there.