Password lost if I 'sign out' rather than 'quit'

Hi all,
I'm new to all this so apologies if I should be in another conversation and/or this has been raised/solved earlier.
I am not overly enamoured with the product post Microsoft, and do fear for its future. However, today I am talking about passwords. I have passwords for applications pouring out of every orrifice....so....if I have it right, Skype does not retain my password if I just "sign out". To retain the password I need to "quit" Skype. If instead I "sign out", Skype will not let me back in withought entering my password. I'm on Windows 7 o/s.
If I or anyone in this house 'signs out' of Skype, I will be prompted for my password on my next log in. Why is that....is it me not operating the system properly, or is it a poor system design issue??
Heck....I have too many passwords already. And Skype makes me choose yet another (new) one, as old passwords are barred.
How about this as a suggestion....Say I know my email address that I created the account under in the first place but have lost that password. Why not, at account creation, have say two user generated questions and user supplied answers that will allow a user to recover an existing password and continue to use it.
For example..
Q1. what is your mothers date of birth
Q2. name of your first school
Surely such questions/answers would allow many of us to retain a password and limit the number of them that we write down on paper or word docs,,, with such action's own attendant security issues!!!
Regards
David

You just need to open iPhoto on your iMac and move any photos in the Shared  iCloud section (in the pane on the left of iPhoto) into an Event or Events if they already haven't been. Photos in Events are safe from any action by Photo Stream (iCloud).
It is possible that you already have set iPhoto to automatically move the photos into Events where they are safe. That setting is described in the quote below from iCloud: My Photo Stream FAQ
Because your Mac and PC have more storage than your iOS devices, you can choose to download all of your My Photo Stream photos automatically.
In iPhoto or Aperture preferences on your Mac, select Photos (or Photo Stream) > My Photo Stream > Automatic Import. All of your photo stream photos will import into your Events, Projects, Photos, Faces, and Places folders in iPhoto or Aperture.
Also there is more information at iCloud: My Photo Stream FAQ
What happens to my photos if I turn off My Photo Stream?
If you sign out of iCloud or turn off My Photo Stream on an iOS device, all the images in My Photo Stream are removed from that device. The images in My Photo Stream on your other devices aren't affected. Images added to My Photo Stream are saved on the iCloud server for 30 days from the date you added them to My Photo Stream. If you sign in to iCloud with the same Apple ID and turn on My Photo Stream on another device, those photos will automatically download to this device.

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