Again, this isn’t at all in the scope of restic’s docs. If you’re using S3 as the storage, it’s on you to understand how S3 works and what permissions are needed, just like it’s on you to understand how your local file system works and file permissions work if you use the local file system as a backend.
If you don’t understand S3 or don’t want to learn, then that’s fine, and you can pay the premium to tarsnap for simplifying it for you. But that’s your choice, not an issue with restic.
If you think differently, have you submitted a PR to restic’s docs to add the information you think should be there?