Hey Guys,
This appears does not appear to be a "read only" issue. This appears to be a Maximus Arcade Front End issue... I am having the same issue only when I use Maximus.
I loaded up mame.exe directly and was able to configure my keys, exited MAME, re-launched MAME and the keys were there. Loaded up Maximus, launched a game, went into TAB menu in MAME and my custom keys were gone. It appears that Maximus is erasing the default.cfg when it launches. I also tried this in HyperSpin and it keeps my key config, so I am positive that this is a Maximus Arcade bug.
BTW - I want to say this looks like it might be specific to 2.10b5. I'm reverting back to 2.10b4 to see if this was just introduced in b5.
I just verified and 2.10b4 does not do this, so this is indeed a Maximus Arcade 2.10b5 issue.