Log out and log in to the new account, where you will be using default user preference settings for Snow Leopard. See if this happens in the new account.
Thanks for the thougths I have continued this on the thread above to try and pool ideas. I would still like to her your ideas there (others probably would to.) Will try the new account suggestion and let you know.
My MBP is doing this as well when I was in the middle of an excel spreadsheet. It did it twice today. Just started doing it today. Nothing saves and all programs exit. Its like you never logged in. Very strange.