There are two issues in 3ds Max:
1, Bitmap paging enable/disable status is saved with file, so if you disable it, someone can still give you file where it is enabled.
2, If you disable it, it will still remain paged in memory until you save your scene, close it, and reopen it back. It won't take effect immediately.
It's not enabled by default but sometimes it can get enabled for strange reasons or when someone gives you this "infected" scene ;)
So it's very useful to keep it in mind :)