I agree with almost everything but the he loses me towards the end: > I had a bit of a sad when I realized that we were perfectly fine with users selecting a 10 character password that was literally "aaaaaaaaaa". In my opinion, the simplest way to do this is to ensure that there are at least (x) unique characters out of (y) total characters. Isn't that exactly what you're complaining about with your arbitrary passwor…
Surely that's a cop-out? If the user getting their data stolen is not a big deal for you, why bother securing any system at all?
The reason service providers set password rules is because there are many, many people who do not understand what a good password is, or the risks associated with losing them. There are people out there using the same password for everything, unaware that the compromise of one service can spell doom for their financial life.
Developers really need to start taking responsibility for their code. Setting password rules, while arbitrary, are about protecting users. This may upset those who are tech-savvy and know what they are doing, but that really weighs nothing compared to the benefits it brings to those who are not.