Sorry for not being clearer. Really though, the only "password policy" should be "no password reuse/dictionary" (check it against haveibeenpwned.com or the like, there is a nice API), and some minimum decent length. Preferably with a decent user friendly generator option for default suggestions too, and password manager friendly. It's probably not the weakest link at that point. "Multiple systems with different policies for which we're supposed to use the same password" seems like it should just be SSO?
But I recognize in reality when using archaic systems at businesses with no budget sometimes hacks are just the best that can be done, and that's how it is. I mean, obviously best of all is no shared password, use proper key via hardware token instead and the password/PIN or (gasp :)) biometrics is purely something the user uses to activate the token. Unfortunately it'll probably be awhile until we get there. But the general use of baroque password policies, particular when interfacing with the general public, is still an anti-feature for security which has finally started to fade away.