I'm not sure I understand the mental model you're basing your inferences on, but my model leads to a far different outcome: If you've got a good enough bot and

I'm not sure I understand the mental model you're basing your inferences on, but my model leads to a far different outcome: If you've got a good enough bot and it's pre-qualified to spend money, then it can use the special "register as a bot" API and provide personal information and whatever else I want to understand that there is a "real human" behind the curtain. A credit card alone is not enough, they can be (trivially) stolen. The way I see it using agentic bots will ultimately require you to provide more personal details than an actual human would.