In my limited experience, I've seen it handled by adding the user's ID in the path of any resource that belongs to a particular user, so that the user ID from the resource path can be compared with the authenticated user ID as a security rule condition.
But as expected, you can validate the incoming data as well https://firebase.google.com/docs/firestore/security/rules-co... but this would need to be done for any attribute that might lead to a change of ownership.