I think the issue comes in with terminal emulators and CLI harnesses. TCC permissions are inherited from the "responsible" process, so if you grant Terminal.app or ghostty.app FDA, you've granted zsh or bash or python or any goddamned thing you can run in a shell FDA.
Agree, I think for CLI harness, there is no good alternative, you either have access permit per terminal app (which is not ideal), or I guess that is what Apple means they will "address" it?
In fact, my pet peeve is why can't 1Password build in the ability to "remotely" approve something via the 1Password app? I'd get a push message, hit allow, and it does the negotiation in an e2e encrypted way.
Then I could approve something my agent needs when I'm not at the computer. Service Accounts are a crappy solution to be honest.