Eximo :
Windows Vista and up operate on a Least User Access format. Just because you have administrative privileges does not mean it will use them at all times. You must implicitly activate them either by using Run as administrator, or if necessary, most programs will offer up a User Account Control prompt. For home users this usually takes the form of a Yes/No prompt.
As for needing it for Chrome and Photoshop, that is a bit odd. I suspect you might have some malware or you have installed this programs to restricted folders.
Well, I don't have any malware. I just ran a scan and it found nothing. I also don't have any restricted folders. All my programs are installed in the Program Files folder on my C drive. However I do have two program files. I got the computer custom made. Also the program files folders are set to read only and I'm wondering if that's the issue.
UPDATE: I don't know if this has anything to do with it but my user that is the administrator which is my name is not listed as a user in the program security section of properties. All I see is administrator, desktop (with desktop name) and a few others but my actual username is not listed as a user in the security settings of the photoshop or chrome program.
Again this is a custom computer that I had built at a local shop. Not sure if the guy installed windows 10 wrong or not but if I log out of my user I have one more user called owner but if I log into my user with my name as the user name it says I'm an administrator under the user settings inside of windows 10