When someone creates a MySite, they are automatically given full control of that site. More accurately: a MySite is a site collection; the creator becomes the first & only Site Collection Administrator; the creator is made a member of the Owners group.
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When developing web parts and other components with code, it's important to remember that operations performed by code may require certain privileges. During development, the code runs in the security context of the developer, who is usually a server
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Many times it helps to see an overall comparison of SharePoint 2007 permissions. I assembled a matrix that shows lots of useful information that helps you understand how permission levels are related, and how they affect security trimming of Site Actions
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