As an I.T. guy, I respectfully disagree. In your description it makes sense, but the peripherals of repeatedly changing your password is what causes problems.
Most passwords are stolen because the user outright gives them to the person who is doing the harvesting vs. a hacker acquiring an encrypted database from an intrusion would take months, years, maybe longer to break through that encryption, depending on how it was encrypted. Asking your computer-stupid customer for their password because their "nephew is in jail" takes about 10 minutes and allows one to avoid thousands and thousands of dollars required for the processing power to break encryption on a database. It's always easier to hack the person rather than the tech.
Force people to constantly change their password generally results in people writing their new passwords down, putting them in a notepad style app on their phone, or just getting frustrated at having to change them so much that they make them as easy as possible.
The best way to protect yourself is get a good, secure password, use a solid password vault (like bitwarden), and make sure 2FA is turned on at every. single. opportunity. 2FA will protect you millions and millions times more than changing your password. I don't care what you change it to.