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Again, my point about there being no need
to change passwords if they are strong enough and easy to remember, goes unnoticed.. So once again, yes, there IS certainly a reason: Users will try everything to keep getting back to the password they took so long to memorize anyway, and in case you weren't listening, if the password is strong enough, there's no need to change it periodically, if at all. so no, I'm not screwed, and yes, it serves NO meaningful purpose; those who continue to adhere to a useless policy (obviously like yourself) only to create even MORE work, are screwed. But keep perpetuating the "mantra" by all means, especially when you posit no evidence as to why your argument is even valid.