https://penguindreams.org/blog/password-algorithms/
I felt like they could bridge the gap between a regular person who is weary of having to look up every password using a password manager (although a lot of them make it easier with browser plugins and phone apps, but it's still an extra step).
However, in light of the recent Gentoo vandalism, it seems like a user had their password formula figured out. Algorithms do guard against credential stuffing; that particular person was most likely specifically attacked. If you have a strong formula, it should take at least 7 or 8 passwords to begin to figure it out.
At a minimum, if you have non-tech friends who use a single password for everything, start them off easy: You should use a manager. It's the only way to guard everything. But if they don't want to go that route, at a bare minimum, recommend that they need three passwords. One that's highly secure for banks, employment and government. One insecure for everything else. And finally one for your e-mail which should be shared with nothing!
Password algorithms are a step up. It's a trade off of course: you are protected against credential stuffing and you don't need a manager; you can have a different password for every site without having to memorize a hundred password; only the exceptions to stupid password rules. The trade off: your algorithm probably sucks and if you're targeted specifically, someone can get to everything.
Every aspect of security involves trade offs. The various password management choices, along with their advantages and disadvantages, should be taught in high school.