Strictly, since it's an installer the dzintall.ini file could be edited or created just fine - the problem with content in the application folder is that applications shouldn't routinely run with admin rights, as Poser would need to to be able to add files to the content library (this applies to most of the content focussed applications - Poser, DS, Carrara, Vue etc.). In any event the recent installers don't create the file there, and the error of failing if the file doesn't exist has also been fixed - but that leaves the legacy installers that do need the blank file trick if you run one of the badly set up ones on a clean machine.