You can’t step down DC like you can AC. AC you got a transformer which lets you go from 10kv down to 120v in a nearly lossless way. For DC, this does not exist. You are left with 2 options.
The first which dumps excess voltage to ground is super lossy and never used with batteries since it would just drain the batteries, this is often done in AC/DC things where you got a constant AC current coming it so no issue with energy.
The second is to Invert the DC to AC, use a transformer to get the new voltage then rectify the AC back into DC which is a lossy process and would require 3 pieces of equipment, an Inverter, a Transformer and a Rectifier or, you get 1 piece of equipment, a 12 volt battery.
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