It's an eternal balancing act because every time Apple implements some new restriction in their OS that prevents apps from doing whatever they want, whenever they want, people get mad at them. But without those restrictions, the ever increasing amount of personal data that is stored on your computer is exposed to the ever increasing number of data slurping applications that you run.
That not being the case is the whole purpose of the per-app sandboxes which macOS has along with TCC. We're not discussing plain Unix permissions alone.
I assume you mean 'many' and not 'make'—this is untrue; you only need to grant FDA if you're trying to access protected areas, like the knowledge graph store.
Granting full disk access to an app that you don't trust not to surreptitiously exfiltrate your data is the kind of user error where the buck stops with PEBCAK.