The internal time management software we use at work, which I only access every few weeks always forces me to set a new password. So every time I come to log on, my password has expired. What makes it worse is that this password is connected to other work services but they're not synchronised so when I change one, the other doesn't always change for a couple of days. Sometimes, the only way to log in to my machine is to disconnect the ethernet and make sure the wifi is off. And I have to keep a document on my phone with every variation of my passwords in the last few months and even then, if I am on holiday for a while and come back to work, none of them work.
I think there is a class of companies and services (Excluding Microsoft) who just need to leave the business of user security to the user and stop trying to build walls around an enclosure that no one cares about in the first place.