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Does Zoom let you put a password on the room? Could that room have a password that is only known to the participants?

Yes, and it did (according to somewhere else on the internet).

Yes and (in my experience) it displays it at the top of the screen!

no, but it gives the host the link to share WITH the password, so people sharing the link also share the password (encoded)

Ah, I suspected it was something like that.

This is an optional setting.

It was made the default a few weeks ago