It's another thing that Apple confuses people with disabling Bluetooth. I always need to go to settings -> Bluetooth to really turn it off instead of using this pull-down menu. I assume many non-technical people don't understand this difference. So it seems like a violation of UX principles that only makes users feel to be in control.
I hate as much as you do that I can't just turn off BT (nor WiFi!) from the pull-down menu.
But at least on current iOS (17.1), when you "turn off" the BT a message pops saying "disconnecting BT devices until tomorrow"). Ditto for Wi-Fi. Also, when "disconnected", the icons don't look like the others when they are "off" (white background instead of dark gray). They actually look like other icons in the control center when they're turned on! Like the battery saver or flashlight.
They also change to a different icon (barred BT symbol and fully dark) when you switch off BT in the settings.
I'm pretty sure this has been the behavior for a while, since my older iPhone 7 had it too, and was stuck on iOS 15 IIRC.
2. Create shortcut in the "Widgets" folder, which simply runs one action: "Turn Bluetooth Off"
3. Long press home screen to add widget, then select shortcuts widget