I'm not really sure changing passwords regularly leads to any better security. If you use a long enough and random enough password nobody is realistically going to brute force it, it's more likely the site/bank will throttle the connection attempts long before they've tested more than a few possibilities.
I bet most people who have to change passes often end up using simpler and simpler passwords.
Only time password changes are really really important is when you believe either a machine you use or the site you used was compromised.
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