Practical password policies - they can never reduce risk to zero
Having weak passwords certainly can make life difficult for everyone. Nobody likes having to recover or change all their identity cards and information when their password gets compromised. But there is a point of diminishing returns when adding rules to user-chosen passwords.
In general, the more sensitive the information that an account has access to, the stronger the authentication method should be. Passwords are the most convenient method for most organizations, and for their users. They work well most of the time, especially with accounts that have limited functionality that can be exploited, or limited useful information.
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