Interesting.
It’s true that the Tiller Money Labs add-on uses broader scopes than the Tiller Money Feeds add-on. We would prefer to use narrower scopes but, to enable the quick-prototyping nature of the Tiller Money Labs add-on and also implement the sheet-insertion capability, we needed the https://www.googleapis.com/auth/spreadsheets (where the Tiller Money Feeds add-on uses https://www.googleapis.com/auth/spreadsheets.currentonly).
We work hard to limit the scopes of the Tiller Money Feeds add-on because it is essential to run our core subscription product. Because the Tiller Money Labs add-on is an optional grab-bag of experimental features, the required scopes are less constrained.
We are reworking our add-on ecosystem to address concerns like the one you raise. That said, these changes are significant and will take time to implement properly. So, unfortunately, there are no imminent solutions to address this.