No! But it will allow you to work without disturbing the others.

Personally I always worry about making a mistake I can't recover from, and with my skill level this is the best way I've found to deal with it until I learn better....

At any rate everything I see so far tells me your problem exists with how you are installed on the host system, so perhaps creating a sub-domain and a temp install might clarify it in your mind what the problem is.

I'd bet dollars to donuts that your host uses a standard c-panel and you are somehow mis-configured on it. I really wish I knew how to tell you to switch it off or correct it but I can't.