Does it actually matter? For the average desktop, everything of monetary value will be under the main user account. Which is generally also the account used to touch the internet.
We really need some hard boundaries set between non-interactive and interactive requests to open files.
Sensible ones too - not "ask about every file", but maybe "grant process access to this folder in my documents folder, without recursive access".
Even better would be "fire this backup utility first, then grant access".