Why can’t i customize the settings app to display the things i want at the top like passwords and other things

You can use Spotlight to take you directly to Passwords. Place your finger on the Home Screen anywhere but on an icon. Pull down. Type "Passwords" into the search box. Tap on "Passwords" under Settings.

Or, "Hey, Siri, open Passwords".

No one here on this user-to-user forum can answer for apple, but if you’d like to tell Apple what you think, you can do so here:

Product Feedback - Apple

Redpixel09 wrote:

Also, they’ve announced a dedicated passwords app in iOS 18.

Which you'll probably be able to open by saying, "Hey Siri, open Passwords". ;-)

Also, they’ve announced a dedicated passwords app in iOS 18.