The rest of us could also make up our own password generating techniques as well, and have c@td0g11!el8oo8, c@td0g11!no5@m@ etc. el8oo8 is google backwards - but coming up with a word scrambling technique isn't hard, as many conspiracy theorists ought to know better.

This wouldn't provide cipher encoding, but someone already mentioned https://www.passwordcard.org/, and as you said, this is for the rest of us.