it's busted?

error: flake 'flake:nixpkgs' does not provide attribute 'packages.aarch64-darwin.default' or 'defaultPackage.aarch64-darwin'

the flake.nix definitely has nixpkgs:

  inputs = {
    nixpkgs.url = "github:nixos/nixpkgs/nixos-unstable"; # Nix unstable packages.
    flake-utils.url = "github:numtide/flake-utils"; # Nix flake utility functions.
  };

exactly the same as yours:

#!/usr/bin/env -S nix shell nixpkgs#hello nixpkgs#cowsay -c bash
hello | cowsay

the same as your example above:

#!/usr/bin/env -S nix shell nixpkgs#hello nixpkgs#cowsay -c bash
hello | cowsay

huh, maybe some quirk of macos Lix then? the nix-on-droid example worked with Lix 2.93.3 for me but my Mac with Lix 2.93.3 is also giving me a similar error

§ /tmp/test.sh
path '/tmp/test.sh' does not contain a 'flake.nix', searching up
error: could not find a flake.nix file 

also reading the manpage it seems like -S shouldn't even be needed on Darwin but is probably more portable with it. but with or without, seems to want a flake.nix file which afaik shouldn't be necessary with a fully qualified flake ref like github:nixos/nixpkgs that I was trying