That's a good point. At some point in the future, the level of efficiency of a chat bot fraudster, could be quite high. They would never sleep or take breaks,

That's a good point. At some point in the future, the level of efficiency of a chat bot fraudster, could be quite high. They would never sleep or take breaks, and in addition to providing data to help become more efficient, could be continually adapted or they could be adapting themselves to be better at the task. They could become something like "intelligent" malware, that can interact with victims, and prey on the more gullible or emotionally vulnerable.