I don't need file contents, I can skip showing file sizes and date modified on protected paths. Hell I can skip indexing Mail and Messages files altogether since they're pretty useless anyway. But how am I supposed to know beforehand which path will trigger a scary Cling wants to see your <private folder> when doing a simple traversal.
Similarly, window switchers like my rcmd app (https://lowtechguys.com/rcmd) need access to window titles to function properly, but for that, the app has to ask for Screen Recording permissions. I don't need to record anything, I just need the damn title text and users will be happy to give access to that, but not to recording the screen.
This goes on and on.
Want to register a more interesting hotkey like fn-letter? You have to act like a keylogger and ask for Input Monitoring.
Want to focus a specific window instead of activating the app and letting the OS decide which window comes forward? You need Accessibility permissions and full access to control the whole computer.
Want to paste some text into a text field? Accessibility Permissions.
Too granular permissions is hell. But there are these decade-old common use cases for macOS utilities that would make it much easier to keep permissions locked if they became their own permissions.