I encountered the same problem as LisaLynn did when I upgraded to a new computer and copied files from Carbonite to the new computer. Fortunately, Angie sent me links to the files I couldn't use. I just went through all my ScrapGirls files and "unencrypted" the ones with green titles. I'll try ExtractNow.com from now on.
I bought and installed Elements 13 around Christmas 2014. I noticed that I could not load any brushes using the Program File (x86) path you described also. I loaded the brushes I want, including dynamic brushes using the Program File path you described. Installed there, they have worked perfectly for me since I installed them.