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Do you have a login password? Because the login password does the unlocking of your passwords as well and without it there is no way to protect your passwords.

Firefox also demands you to unlock your passwords if you use the builtin Keychain, I believe. So you might have to use the Firefox password manager.
 
Safari stores passwords in your Keychain and whether or not you have a login password, it will ask you for your Administrator password before allowing access to the passwords. I don't use Firefox but I suspect it's the same.
 
If you use 1Password (once you unlock it on first use) usernames/passwords are automatically entered into login forms with just one keypress combination
 
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