No, macOS will just put quotes in the name. I just saved file from vscode as "testfile.sql", including the quotes, and wound up with a file named "testfile.sql".s.
1. Put some of the forbidden symbols in the file names of, let's say, a bunch of photos.
2. ZIP them
3. Send to someone who ordered those photos with Windows/Linux computer.
4. An hour later tell them that everything works on your computer and you don't see the problem. As a bonus you can film unpacking the zip file and saying: "You see, it works. There's something wrong with your computer".
I don't know of any Unix that allows forward slashes in file names. On macOS you can use : which is displayed as / in Finder, but in exchange you can't put a : in file names...