Yeah, but how would it spend them? Cashing out stolen credit cards is a whole thing already, even when done by people with meatspace access.

"You can unstoppably conquer the world by WiFi" is one of the few core things you hear in AI alignment that I disagree with, unless cryptography can be broken. The real world is intractably chaotic and the digital one is already risk managed thanks to the efforts of a couple decades of petty criminals.