Respectfully, it sounds like you just haven't dealt with any significant tax or regulatory tasks.

There's entire industries of experts who work on these tasks, and they don't just work for people trying to skirt the rules. I've hired people for both tasks and the reason was specifically to comply.

Not privacy, but as an example:

NIST, MS, and the security community all recommend against forcing people to change their passwords on fixed intervals. They should only be changed when there is an indication they have been compromised.

PCI requirements demand mandatory 30 day rotation intervals on user passwords for users with administrative privileges, IORC. Something like that.

They haven’t kept up. So until they change the rules you can either be PCI compliant or implement the current best practice. Not both.