Comment by vladvasiliu

I think the issue is that some people don't actually understand what's going on, so in an attempt at goodwill, they try to "compromise", and "split the difference" if you will. Hell, some people will consider the windows hello pin as a password and force a regular rotation. Combined with policies coming from outside (think insurance and other compliance stuff) which try to cover as much ground as possible, you end up with half-assed implementations like these.

One discourse I hear is that "people will just use the same password everywhere". To which I'll answer, "but we have mfa". "yeah, but the insurance guys".