"You must have a complex password, change it every 60 days, not reuse it - these are my favourites. Teach the user base how to generate pattern passwords that meet the rules and problem solved (from the users' perspectives)"
No, because some people have REALLY BAD recall:
"Now, was that CorrectHorseBatteryStaple or Engine+Paperclip+Donkey+Wrong?"
THAT kind of bad, which I see all the time. Medicos are caught between Scylla and Charybdis except they're not allows to sacrifice anyone. They need it RIGHT AND FAST, SECURE AND SIMPLE all at once, or people DIE and their survivors complain.