Yeah, using a pass phrase makes it much easier to remember on top of being more secure. But users should introduce at least a bit more complexity than that example (all lower case letters isn’t great). This1sComplexButMemorable! Is an easy example of how you can just make up a relevant sentence to what you’re using, include a range of character types for complexity and to meet requirements, and you’re good to go. Plus if you make it relevant to what you’re logging into, you’re less likely to be tempted to reuse the pass.
Oh, i guess that makes some sort of sense - obviously I disagree with the conclusion, but I understand it - but it’s beyond frustrating when you think “maybe I’ll pay this bill online” and see that limit. And even if that is the reasoning for the limit, if they haven’t updated their requirements in all that time, I have little faith that they’re storing my sensitive information securely.