It's not that they don't care, they are managing support headaches, and balancing risk to reward. 6 Character AlphaNumeric for Schwab is because they use the same password for phone, and this is a throwback to a "Pin". They could at least be honest that this is why it is what it is. The Fobs they send that generate a random number to go with your login make this not a deal breaker for me. Microsoft is balancing suppo…
They need to test is against hoardes of naive users.
They need to encourage those users to have one long strong password to unlock the safe, and then to have strong random passwords for everything else.
Having seen how some computer users operate I guess any OS supplier has a hard job here. See, for example, the 'power users' who turned off UAC.