It's called Keychain Access.
Secure notes, your own signing certificates, keys, root CAs, and specific self signed certs you've accepted for SSL.
This will then show up in the launchpad. https://i.imgur.com/IRPOMC5.png
Searching for 'pass' in Spotlight does bring up Keychain access - as that's in the apps list of Keywords... however the list of apps is way down on the scrolling https://i.imgur.com/KFUC0G0.png - it found 'password' as a string in 100 python files that I had to scroll through first.
Sorry, but that also doesn't mean anything to the average user. If anything it's made it more complicated for them—they will remember to type in "key" before they learn how to make an alias
That I don't have an issue with the word "keychain" doesn't mean it's not bad UX for the average Mac OS user
If you do control-space (to bring up spotlight) and type in password, what do you want it to do and what is missing?
My wife asks me weekly "honey, what's that word I gotta type to see my passwords again?"
The thing is, its the 3rd one down.
MacOS has both Keychain Access as a standalone app, and Passwords as a section in your settings. The latter is dedicated to purely passwords that you, as the user, make. Keychain Access also contains passwords for Wi-Fi and other systems.
https://rmondello.com/passwords-shortcut/
You should be add this to home-screen like an app. Should make it a bit easier open passwords.
She uses it to generate her passwords and fill-in within Safari which is great!
But there's no "Passwords" app, and she didn't know to go into Settings to reference a password when Safari doesn't recognize a password field (probably the website's fault).
2FA is also a confusing experience, but 2FA is also just confusing enough for her where Apple isn't really the problem here.