Not a new idea, as I found a few closed discussions with upvotes for the same idea (but couldn't find an active one).
Columnar permissions and/or PDP's would be such an improvement, I'm surprised this isn't already an announced roadmap item (unless it is???).
There are obviously workarounds to this, but the columnar handling of data is much more transparent and traceable for end users and administrators. It'd reduce time and complexity downstream.