Categories with '&' chars being converted to folders and links with double dashes. How to fix it?

Does that mean there is no way to use an ampersand in a category? Or how would you create links to these categories when urlize creates a-b but the actual file is at a--b?

I hadn’t seen this topic and asked something similar with code examples here: Ampersand in taxonomy term - #3 by dominik.mayer