To answer your first concern first, I advise that you provide your database in Access97 format. That's bound to be accessible to almost all users.
Secondly, if you expect your visitors to be database illiterate, then how do you expect them to work out on the EXE file? It'll still be an Access file.
Better way is to create a form kind of thing in VB or VC++ or Delphi, whatever you know & give it as exe & the database as mdb. If you are going to use VB or VC++, then don't use ADO for database connection. Use either DAO or a file DSN, b'coz ADO is not available on WindowsME and lower. Its only available in Windows2000 & above.
In that form of yours, you can do a GUI interface allowing users to view data of database by just point-&-click & can also provide the option to add more data.