There are a lot of people writing bad code and bad system architectures for their organizations. There are not enough people with the competence, organizational power, and time to catch what's bad and force change in those organizations. In the US you are probably forced to do business via many such terribly coded websites, e.g. your local healthcare provider. In such cases, it might be better if we assumed the implementation might be as awful as it commonly is, and recommended mitigations based on that.
It's also easy for people to test if the website actually allows the nominally prohibited password patterns and complain to some oversight authority if so. Whereas it's not so easy to test, from the outside, whether it's really been done the right way.
It's inelegant and tragic, but in the end it might be a good idea to accept that things are often done poorly and without adequate oversight, and consider what mitigations can prevent the worst outcomes in these cases.