keychain problems Monterey 12.1

First Aid is till available in Disk Utility in Monterey.

But you have to be booted into the Recovery volume (boot with the Command + R keys held down, in order to use it on your boot drive. Otherwise it only does a verification but no repair.

There another process you can try to see if it will fix it: boot into Safe Mode according to How to use safe mode on your Mac and test to see if the problem persists. Reboot normally and test again.

NOTE: Safe Mode boot can take up to 3 - 5 minutes as it's doing the following; 

• Verifies your startup disk and attempts to repair directory issues, if needed

• Loads only required kernel extensions (prevents 3rd party kernel/extensions from loading)

• Prevents Startup Items and Login Items from opening automatically

• Disables user-installed fonts 

• Deletes font caches, kernel cache, and other system cache files

Have none of what one is experienced on M1 Mac mini Monterey version 12.1 and yes - Keychain is not locked.