Fraud being illegal is why I used it as an example. Fully automated fraud is to one-on-one fraud as the combined surveillance apparatus of the Stasi at their peak is to a lone private detective. Or what a computer virus is to a targeted hack of a single computer.
Sign flip: https://www.theverge.com/2022/3/17/22983197/ai-new-possible-...
Also remember that safety for AI, as AI is an active field of research, has to be forward facing to prevent what the next big thing could do wrong if the safety people don't stop it first, and not what the current big thing can do.