No, dude, no. If you are external and require access to SharePoint you contact HR and they create a log in for you. If you're in the company and don't have access to X SharePoint site, you contact that site's admin and request access. IF he decides to give it to you then great.It's true that some people are "stupid" with computers, but both problem scenarios you described are created by the company, not the users. Interval-based password expiration is a terrible policy and people should have the correct privileges on Sharepoint.
Under no circumstances you give someone else your password to access ANYTHING at all, that's a humongous breach of security.
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