Auto-memorize new payees turned back on with latest update

Yes, for some reason they fill that people that have had this setting off for decades now need it. I have seen though that if you turn it off, it does stay off. You should check both the automatic memorizing of payees, and automatic of categories.

Why did they do this, and how do I undo this? It probably cost me 3 hours to fix. What is wrong with these people?

Turn off:

Edit → Preferences → Data entry and QuickFill → Automatically memorize new payees

And depending on if you want it or not:

Edit → Preference → Downloaded transactions → Automatically categorize transactions

EDIT: check this one too, this is the one that renames a payee if none of your renaming rules kicks in and they have a "server entry" for that payee:

Edit → Preferences → Downloaded transactions → Automatically apply Quicken's suggested name to payee.