Recent, frustrating example: My (business) bank uses FISERV software, and their software expires passwords every 90 days. Their software can notify you about a million combinations of account activities and statuses, except this one. It takes 3 values to login to the account (company ID, username, password). When logging in via mobile app, it never tells you that your password has expired, so I end up trying a few times before I remember it might be an expired password.
Login via web browser, and sure enough it'll tell me my password expired and it's time to change it. They also occasionally enforce 2FA. Passwords are also how you connect things like Quickbooks.
When I called the bank to find out how to get notifications that a password has expired, they said there was no way. "When you change your password, set a calendar event for 60 days ahead..." they told me.