Look man, this is just exhausting. I'm well aware of that security policy. I have enabled it at some of my clients. But it's not a default setting and would never be on a random non-enterprise PC. This is what I mean when I say the only people who are getting locked out this way were screwing with their computers in ways they don't understand, installing random garbage and following bad advice on the internet.

From your link:

If you set the value to 0, or leave blank, the computer or device will never be locked as a result of this policy setting.