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I haven't hit this feature on paxum yet, but I did have it on my old online banking (raiffeisen) and hated it enough that I switched banks because of it. Not only did they force a password change ONCE A MONTH that did not match my last 6 passwords, it had to be at least 10 chars long with at least 2 special characters, at least 2 upper case letters and at least one number - pretty much forcing you to write it down. They wouldn't let you choose your own pin for your bank card either - and if you forgot it you had to order a new card (for a fee of course).
The domain registrar for PL does this shit too, also with some complicated as fuck password scheme. Every time I login there I have to use the forgot password form - effectively negating any security this adds since it's sending me my password in plain text to my email...
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