With all due respect, you don't even know how Turbo Tax software works. A feature was added to create an embedded password into the Turbotax file. If you want to password protect your file you select File then Password from the Turbotax software.
I am having the same problem with Turbotax 2020. I did not password protect my 2019, but when i attempt to open the 2019 return I am presented with a TurboTax dialog box asking for a password. If you hit the forgot password button the dialog presents the statement: Answer the security question below.... But there is not security question presented.
