Dave,
I've worked full time in construction for 33 years and part time for a few years before that, and grew up around it before that. In the last 11 years I've tiled over 180 showers. I don't have a clue how many I did prior to that but it was allot. If I had to guess I'd say another 50-70.
I haven't had a single problem with leaking or mold in a shower that I've tiled. In remodel jobs where mold is prevalent its not at all uncommon for the homeowner to admit they saw the first signs of leaking several years prior. Its easy to tell they've been leaking by the condition of the tile and grout.
I don't believe mold is more common now than in the past. People weren't aware of the health issues associated with mold in the past. They're just more educated about it now. I don't take mold problems lightly. I have a good friend who is having serious lung problems because of mold.
As for the schools....I'd say the mold was present when the old windows were in place. Those windows were likely where the moisture was coming from either by leaking or by condensation. By installing more efficient windows the air quality worsened because air infiltration was reduced....the good air couldn't get in.
Indoor air quality standards have become more stringent as well. There isn't more mold, but rather better standards which have lead to more emphasis on preventing mold growth and cleaning it up if it's already present.
If there was no mold present before the windows were replaced in a school there shouldn't be any afterwards as the new windows should have less condensation.
Air exchangers are used to improve air quality in a number of ways other than mold levels. My first encounter with indoor air quality standards and air exchangers was in the 70's when I was working on an office remodel for the state of Illinois. Mold wasn't even on the radar then.
Now back to the topic of membranes. If a membrane is used on the walls and a tile job does fail, mold will still be present between the membrane and tile as well as in the grout. You'll still need to rip out the tile and replace it. You'd be much better off just making sure your tile and grout are in good shape so that you never have the mold problem to start with.
Pops
Thanks for sharing your mold experience. It probably always is present, that's logical. Add in less air circulation, a little higher humidity and the mold colony will grow. Just having several hundred people breathing will add a lot of humidity. Comparable to e-coli. Almost always some around, but takes a bunch of it to make you sick. When they sealed up those school buildings, they didn't compensate by adding air exchangers. Plus, carpeting in school rooms became more popular around that time.
I think I will put grout re-seal on my to do list

Can't argue against that. It's will be about 3 years old this summer.
If a tiled shower wall is leaking and does so long enough, without a membrane it will spread farther. Molds need something to feed on, right? I respect your experience. I still see the membranes as a better safe than sorry option. You are right, either way, it's going to need to be retiled.
Temperature vs humidity is critical too. I had mold getting started on the ceiling around my attic access hatch in the garage a couple years back. I had come up short on insulation and neglected to get more. I needed a bit more fiberglass to finish around the hatch. Just that temperature difference compared to the surrounding ceiling was enough to get condensation and mold. I finished insulating that area and that solved the problem. I store about a cord of wood in the garage over the winter, obviously I am supplying all the needed spores.
When the car comes in dripping and carrying snow everyday about all winter long, there is always plenty of available moisture. I would have never suspected a little missing insulation would lead to a problem.
My attic is pretty cold since I have 18" of blown cellulose. Had to build a little retaining 'wall' out of plywood scraps around the hatch area to avoid getting a cellulose shower everytime I open it.
Dave.