For example, imagine that OP is reusing passwords across different websites as most people are doing. One server gets hacked and the SHA256 password hashes get leaked, which unfortunately is still common. Currently, the best bitcoin miners can hash in the order of 10^14 hashes per second, which amounts to just 2^65 / 10^14 / 86400 ≈ 4 days of hashing. To be fair, bitcoin miners usually are not suitable for password hashing, but I'd be surprised if the NSA does not have 1000s of similar devices somewhere. Is that a realistic scenario? Probably not. But it is certainly a technical possibility.
A lower case password with 10 characters is not sufficient at all. Anycone could bruteforce that in a day with just one modern GPU.