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Why do I have to log in into my single user Windows 10 desktop? And before I can sign in, I also have to click on an ugly lock screen image, which for some reason displays unasked for advertisement. Why do I have to sign in each time I close laptop lid or after screen goes dark?

Photoshop actually matches your photos for being CP and banknotes, reporting your to law enforcement if you try load something funky:
https://creativemarket.com/blog/adobe-doesnt-want-you-to-photoshop-money-heres-how-to-do-it-anyway