I figured out how to make md2014 work again.
In my home directory I renamed C:\Users\me\.moneydance (note the period)
to C:\Users\me\HIDE.moneydance
Now 2014 will open.
My guess is 2015 must upgrade something in here as well and that keeps 2014 from starting up.
This would be why creating a separate user would work too because they would have their own home folder.
You seem to have to reinstall your extensions and
you can
copy your mdcsvimporter.props file from HIDE.moneydance to C:\Users\me\.moneydance to get your mdcsvimporter configs back.
P.S. beta 12 is way old! It's at beta18 and there are no built in importers anymore. You create custom ones. There is a doc explaining how to do this and they are downloaded from the home page now.
https://code.google.com/p/mdcsvimporter/
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