I suppose there are many ways to have PG on OSX i.e. package managers (Homebrew, Macports), App installers etc and so many places anyone can find his data directory reside in. Generally I prefer data directory to be somewhere inside the user home dir as OSX will take care of possible backups and will not generally modify its contents during migration betweeb osx versions and/or different machines. It is not only the question of permissions.
Any options inside user homedir are equally suitable IMO.
It is in the user's homedir - it's just that that isn't under /Users:
hal:~ postgres$ echo $HOME /Library/PostgreSQL/13
With the EDB installers (unlike postgres.app), PostgreSQL runs as a service, much as it would on Linux or BSD.