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because you need to buy a premium account of minecraft.net
That means that you cannot do premium things (Example: playing multiplayer). To do these things, you must buy the game. If you live in Europe, buy it with euros. However, if you live in America and want to buy the game, but cannot because you have to pay euros for it, there are people on eBay selling Minecraft gift codes in U.S. dollars. Most bank companies convert anyway.
Delete %appdata%\.minecraft and change your password. Then in the login screen, hit options and force update.
I think it means that you can't use premium things unless you use a credit card to become a premium member... I'm just guessing.
There is no 'password' for Minecraft, in any version. The password is user specific; each user makes their own password. You either need to buy Minecraft and in doing so create a password, or play offline. Note - it is illegal to have copies of Minecraft, but if you have lost your password, there should be a way to change it or find it on the Minecraft official website.