> And despite security recommendations, too many IT depts still force password resets every 90 days...

It could be for contractual or for insurance reasons. We have some contracts with government agencies that require it, and our cyberinsurance also does. Even though NIST has been recommending for years to do long passphrase + MFA and no reset unless you suspect compromise.

So yeah, the reason behind this might not be just plain incompetence.