TouchID is better than any other login type on any other system. Who uses a password that often on a computer anymore?

The red x doesn't quit apps, it closes windows. CMD-Q quits apps. There are certainly times when you want an app to be running, but with no open documents. This is basic PC stuff, not sure why you don't seem to understand it. Not every app running even has to have a window, so your paradigm doesn't make sense.