Agree on most of this but Keychain Access IS a standalone app on the mac so slightly confused about the comment about it being buried in System settings. Its still a pain to go to the app and copy a password for non-Safari browsers though.
It also works on Windows!
It‘s a view and editor for all kinds of stored keys. I don’t think its target audience ever were intended to be some random macOS users. That’s just not the target group. It‘s about power users that need to access or store all kinds of keys.