Did you enable this setting? If yes, can you tell me more what's missing?
https://support.apple.com/en-us/guide/mac-help/mchlc06d1059/...
https://support.apple.com/en-us/guide/mac-help/mchlc06d1059/...
Any other OS, you'll be able to at least tab around without the mouse.
> To quickly turn Full Keyboard Access, Sticky Keys, Slow Keys, or the Accessibility Keyboard on or off using the Accessibility Shortcuts panel, press Option-Command-F5 (or if your Mac or Magic Keyboard has Touch ID, quickly press Touch ID three times).
[1] https://support.apple.com/en-ca/guide/mac-help/mchlae61a6de/...
I'm at a loss to explain why this particular navigation issue shows up in the Settings app. Other, less critical parts of the OS actually work fine.