If you don't restrict Terminal by default, users can be tricked into running malicious *.command files and the like. The large majority of Mac owners will neve

If you don't restrict Terminal by default, users can be tricked into running malicious *.command files and the like. The large majority of Mac owners will never intentionally use Terminal. I don't know what it's like in Catalina but I have no issue in Mojave going to Security & Privacy > Privacy and granting Terminal Full Disk Access because I'm one of the few who will be regularly using it. If Catalina is making it clear that permission needs to be granted, that's an improvement over Mojave because the first time I did something that required the Full Disk Access permission, that was not clear to me from the text shown in the shell.