tl;dr CHANGE, I HATES IT! LET ME SET AN INSECURE PASSWORD GOD DAMN IT!
And it's not even debatable that major apps, sites, and operating systems ranging from Google Maps to Firefox to iOS have grown suckier and suckier over the last few years. This isn't old-man-yelling-at-cloud stuff -- it would easily show up in usability studies, if the companies involved actually ran valid usability studies. When I encounter the same daily frustrations as my non-computer-geek friends, something's wrong. That never used to happen.
When it comes to security, a lot of misguided "best practices" seem to be geared toward making users pay for the sins of the admins.