A self-hosted macOS runner will be more economical in the long-run, if you have a spot you can hook it up at; or, if you're fine doing things less than legally, you can use https://github.com/sickcodes/Docker-OSX.
I'm sure legality depends on jurisdiction, too. If you acquired the software legally and you need to keep it running in a VM, I'm sure it's legal at least in some places.
But yeah, just drive-by-downloading MacOS to your Windows box it is probably not quite on the up and up.
Highly recommend everyone check out the self-hosted runners. GitHub has made it crazy easy to set up and all your actions are free and can have local cache. And you get all the benefits of the Actions ecosystem. Throw a used Mac mini or old PC or whatever at it.
I truly don't understand why this isn't more widely discussed (I've seen several "GH Actions Gotchas" articles where this isn't mentioned). Many of the community actions also seem to be designed to run as short jobs to paper around missing features (for ex: https://github.com/dorny/paths-filter ), that end up eating up an enormous amount of your minutes budget.