That would be lovely. I for one would welcome a login roadblock from my security overlord which read to the effect of, "We periodically test the strength of our user's passwords by running automated checks. These methods are similar to what an attacker might do if they gained access to our password database. We value our customers and want to ensure that we provide you the highest level of safety. Your password was flagged as being too weak, and you must change it before continuing to log in. Please verify that your session is secure (blue icon in the address bar and https: before the URL), then change your password by entering your old password and new password in the form below:"
Bonus points if there's an 800 number to speak to a live person at the bank.
They'd piss a lot of people off, but sheesh (god forbid grandpa has to change from the 4-digit PIN he's been using ever since it was his locker combination in middle school). At least they have the confidence that if things ever go pear-shaped and someone makes off with their entire password database, it won't be easily cracked. And it gives *me* the confidence that they probably know what they're doing and have their password database properly salted and protected on their end.