I don't think that is ill conceived - I would be much more comfortable giving non-technical users something like this and telling them to: a) keep it physicall

I don't think that is ill conceived - I would be much more comfortable giving non-technical users something like this and telling them to: a) keep it physically safe b) use a relatively simple, memorable cipher (e.g substitution) c) use a different password for each site ... rather than trying to get them to use LastPass or Password Safe or the like. A kindle version of this would probably qualify for 'most ill conceived' however ;)