There is a serious problem with your logic here. The only way to protect you OS user account is by encrypting it. I would bet a LOT of money that the majority of Chrome users have never even heard of encryption let alone implemented it. To even have Chrome remember passwords when it runs on systems that doesn't require a user to configure a password is a mess. There should at least be a warning to users that if they choose to have Chrome remember a password there is a very high risk of that password being compromised.