hemlockiv
VPN settings Always On and Block connections without VPN together are already the OS way to prevent leaks from your system and they work really well.
Split tunneling is not an OS' feature, it's merely an app implementation.
You are asking to implement an OS wide killswitch that is basically the equivalent of Split Tunneling and/or reads the trusted apps list from a user app (the VPN app).
I guess the correct thing to do is to stick to what the OS is capable of (which is very powerful, btw) and try to adapt based on that.
If you have enough apps that do not work with your desired VPN, you can create a private space, or a work profile, or a second user to manage them.
Sometimes using the website instead of the app (or vice versa) is already enough to use the service, even if (I understand) there might be some inconvenience.