Make sure when you add an editor that you have enabled file uploads. While you specify a folder and security in the Global Upload variables, you will actually need to hit the customize button at the top where you can specify all sorts of attributes for the editor... of which you will see on the General tab, two check boxes for "allow file uploads" and the other one is to determine if you want to use the advanced file manager. You can then save your choices as a preset to have a quick insert going forward on each new instance.
Regards,
Brian