Users need to be linked to Roles.  One special role is called Default.  If you want users to be able to change their own password, then link the Default role to the User - as well as any other role you want him or her to have.  If you don't want the users to be able to change their password don't assign the Default role to the user.

The next screen shows User Details

NOTE:  A similar user account I have provided is named Treasurer, the User account named Money may be shorter and easier to spell.  For each of the user accounts provided the default password is no password, just blank.  So after you have installed the program and created your own Admin password and maybe a separate Admin account, you may want to change the password for any of these users or set the password to be changed at next login by checking the box Change Password on First Logon.