Had same issue and chrome settings were fine. Problem is your Windows / MS account.
Now turning this off is a security risk but I will trust you are an adult and accountable for the things you purchase & do. With that said:
Found solution because I had same issue. It asks because you are logged into MS account on Pc Windows. Probably logged in when setting up new PC/OS. If you go to your settings/accounts and switch to local account, it will sign you out of MS account and create local admin account. You can select skip/next when prompted for password - not fill it in - if you don't want login at reboot/wake.