Chaeck the word or phrase in quotations

Grammar question:

I have been told that if a sentence ends with a word or phrase in quotations, the punctuation should always be placed inside the quotes. Is this true? I can't understand how that works in sentences like this:

Did you not hear me say "I'm going to the store?"

It makes it sound like the quote is a question when it's a declarative statement. Also awkward is when there's punctuation in a title, like:

Have you heard the song called "Everything Matters!"?

Seems very awkward. What are the rules on this?

Response to the following:

Does the following sentence mean A or B?

1 I have seen them defeated.

a-I have seen them be defeated.

b-I have seen them after their being defeated. I have seen them in a defeated state.

2-I have seen them defeated by the Lakers.

Does it mean A or B?

a-I have seen them be defeated by the Lakers.

b-I have seen them after the Lakers have defeated them. I know what they look like after they have been beaten by the Lakers.

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English: Chaeck the word or phrase in quotations
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