ORA-28001: the password has expired

Using Toad for Oracle version 17.1.494.2928.

Having debug mode on. Ran my new function several times via Shft-F7 or Shift-F8 w/o out issue. The param screen appears and I can step through my function. I set a break point on a line of code. Pressed F11 to execute debug until that line was encountered. The parameter screen appeared. Pressed ENTER. Then I got this message:
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ORA-28001: the password has expired
Now, I cannot even Step through code w/out getting this error message. I have tried to reconnect sessions. Does not allow me to debug my code. password has expired keeps showing up.
If a password expired, it would be the first time in 15 years of using Toad that I have seen this message.

NEVER MIND!!!! My user password expired between the time I was stepping through the code and pressed F11. What are the odds??????

So, the issue I can identify from this is, why if my password expired did my Refresh Sessions not prompt me for a password?

If your session was still connected, then test/reconnect did a test, saw that you were still connected, then didn't need to do anything more.