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Putting Terminal (and your favorite text editor) in this category and in "Full Disk Access" will change your life.

How does "Full Disk Access" help?

You can browse Time Machine backup directory trees from the CLI again.

Yes, falling victim to ransomware is definitely lifechanging if you don’t have good backups.

That is a non-sequitur.

It's not; they are stating that if you bypass these security checks, you open the machine up to ransomware.

better not turn on it at all, to be extra safe

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