https://pxlnv.com/blog/macos-full-disk-access-restrictions/
> ...the uses of Full Disk Access go well beyond the category of backup apps, and it is worrisome to see Apple give it such a limited frame. I have given that permission to disk management utilities, Sketch, Terminal, and other apps I do not want to be throwing permissions requests as I move around my drives. Is Apple suggesting this capability could be limited in the future to backup applications alone? I do not like that.
If Full Disk Access were, in future, to be something that I could not grant to (for instance) the Terminal, because it is not a backup app, that would severely limit my ability to do work on a Mac, both as hobbyist and as computer professional.
I agree that the agent situation is a fairly serious concern; I just don't want to see Apple throw the baby out with the proverbial bathwater.