Where it's a real hurdle, however, is for those programs who have to monitor and interact with files outside its sandbox without user interaction. Take fantastical, it has to check the user's iCal calendar (or iCloud, or whereever that file is these days) persistently. If it can only do that when the user tells it to, it loses a lot of its appeal and functionality.
That being said, I think these rules actually make a lot of sense on the balance. But it would be nice to allow the user to authorize complete access in some sort of double-verified-super-secure-foolproof way.