User vs Owner
In Linux, you have permissions. When you want to write to a file, you have to have write permissions. When you want to read a file, you have to have read permissions and so on. You can read, write or execute files. These are known as "modes". There are three entry points to permissions. User - the user who created the file. Group - a group assigned to the file so the number of multiple users can be limited. and Others - every one else in the universe. User is pretty straight forward until you try to change the user assigned to a file. Then, it is called owner as in command "chown". Some commands like "install" which is really just a fancy copy "cp" command, changes permissions, ownership and group while copying. Very handy. First of all "install" is confusing because they should call it "cp_pluss" or something. That is all it is doing. Second, in this one command, while changing mode you use -m xxx which stands for user - group - others. You can also use -m u+w which means give the user (owner) the ability to write to the file. Then, you have -o <user> which changes the user of the file which is also known as the owner. However, if you think "owner" you might put -m o+w which gives "others"(every one in the universe) the ability to write to, or delete the file you just copied.
This kind of thing is why MS has resisted implementing real security in Windows for so long. I hear they are finally giving in and forcing privileges by default in the new versions of business MS-OS.
Clear as mud?