They don't need to have access to your accounts. You can give them their own accounts.
Sure, but then what’s the use of them? Sounds like a very expensive tamagotchi.
How do I give an agent its own bank account credentials in a way it can interact with my accounts? How do I give an agent access to my inbox with its own account? How do I get it to interact with my Youtube subscriptions with its own account?
What is the use of an agent with its own accounts that are separate to my accounts? What am I even getting out of it at that point?
People were saying this to me back in the early days with OpenClaw. They lack imagination. The downside here is not "oops it accidentally leaked the credentials to my agent email account", it is "oops it was duped into something illegal and now I'm on the hook for it".