What would be the need for a username/password nip? With LNURL Auth and NIP 39 we don't really need passwords. You can use a public key generated from a derivation path of your Bitcoin seed phrase as an identity. That way you don't need to maintain backing up and securing more than one thing.

We have a password. Its a 12 word password. No username need be provided, it can figure it out from the password.

No, you aren't allowed to create your own password. I already know its princess(your daughters name + your daughters birth year)