The problem is actions/checkout@11bd71901bbe5b1630ceea73d27597364c9af683 probably doesn’t do this same pinning, and the actions ecosystem is such an intertwined mess that any single compromised action can propagate to the rest
This is true specifically for actions/checkout, but composite actions can have other actions as dependencies, and unless the composite action pins the versions of its dependencies, it is vulnerable for this attack.
This article[0] gives a good overview of the challenges, and also has a link to a concrete attack where this was exploited.