If you want to identify the Default Action Account for a specific Management Server / Agent in SCOM (meaning the credentials that the Health Service on that server will use by default to run it's workflows, unless another profile is specified on the workflow), you can go to Administration --> Run As Profiles --> open the Default Action Account profile and then in the Run As Accounts tab of that pop-up, you can search for your Server and see which Run As Account is mapped as Default Action Account for the Server.
Indeed, is a bad security practice to provide Local Administrator permissions of the SCOM Action Account (which is probably the default action account on your Management Servers) on the servers you target with the discovery wizard. The recommendation here is to specify alternative credentials in the Discovery Wizard and use an account with Local Admin persmissions.
BR,
George