Microsoft’s research team studied this extensively. They looked at what actually happens when you enforce complexity requirements. Users don’t create randomly generated passwords. They follow predictable patterns. Capital letter at the start. Numbers at the end. Exclamation point at the very end. The word “Password” appears in about eight percent of “complex” passwords. When you force rotation, users increment numbers. Summer2024 becomes Fall2024. Or they add exclamation points. Or they change a single character and call it done. The false sense of security is dangerous. IT departments see compliance numbers go up. Everyone is following the password policy. The auditors are happy. Meanwhile, actual security hasn’t improved at all.