I found the one you describe under user accts., and it seems to have worked. I restarted & it didn't ask for password. And it's a microsoft acct! Hopefully, it'll be ok even if I shut down completely. Thanks to all.I agree cannot be done if Microsoft account
Also very insecure but
settings - change pc settings - users on left and then
"any user who has a password must enter it on waking this pc"
and click change below that
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