Password policies are a joke since you use 5 websites and they will have 5 policies.
1. Bank etc will not allow special characters, because that's a "hacking attempt". So Firefox's password generator, for example, won't work. The user works around this by typing in suckmyDICK123!! and his password still never gets hacked because there usually isn't enough bruteforce throughput even with 1000 proxies or you'll just get your account locked forever once someone attempts to log into it 5 times and those 1000 IPs only get between 0.5-3 tries each with today's snakeoil appliances on the network. There's also the fact that most people already know that "bots will try your passwords at superhuman rate" by now. Then there's also the fact that not even one of these password policies stops users from choosing bad passwords. This is simply a case of "responsible" people trying and wasting tons of times to solve reality. These people who claim to know better than you have not even thought this out and have definitely not thought about much at all.
2. For everything that isn't your one or two sensitive things, like the bank, you want to use the same password. For example the 80 games you played for one minute that obnoxiously require making an account (for the bullshit non-game aspects of the game such as in game trading items). Most have custom GUIs too and you can't paste into them. You could use a password manager for these but why bother. You just use the same pass for all of them.
1. Bank etc will not allow special characters, because that's a "hacking attempt". So Firefox's password generator, for example, won't work. The user works around this by typing in suckmyDICK123!! and his password still never gets hacked because there usually isn't enough bruteforce throughput even with 1000 proxies or you'll just get your account locked forever once someone attempts to log into it 5 times and those 1000 IPs only get between 0.5-3 tries each with today's snakeoil appliances on the network. There's also the fact that most people already know that "bots will try your passwords at superhuman rate" by now. Then there's also the fact that not even one of these password policies stops users from choosing bad passwords. This is simply a case of "responsible" people trying and wasting tons of times to solve reality. These people who claim to know better than you have not even thought this out and have definitely not thought about much at all.
2. For everything that isn't your one or two sensitive things, like the bank, you want to use the same password. For example the 80 games you played for one minute that obnoxiously require making an account (for the bullshit non-game aspects of the game such as in game trading items). Most have custom GUIs too and you can't paste into them. You could use a password manager for these but why bother. You just use the same pass for all of them.