OEM/OSes don't seem to have woken up to it yet. A mild proof is Apple's own special folder access reporting. When you go to Privacy & Security > Files & Folders, for a certain app, "Full Disk Access" is shown greyed out and mentioned in both cases — whether you had given Full Disk Access to that app or not. This directory-level permission UX is itself broken — there's Full Disk Access, and there's Files & Folders, and Full Disk Access gets shown in Files & Folders as well. This is, for lack of a better word, such an undesirable mess.
As of now I am debating between: creating a new user and just move everything work/learning to that user. Or just run all of it inside sandbox-exec (and maybe even block it from the shell if it tries to run outside it). Or use a tool that makes the latter easier and better. I even came across such a tool here on hn few weeks ago. agent-safehouse, yet to try it.