What about AI bombers, which is just a step away from AI fighters (and is probably significantly easier to implement)? Civilians could absolutely be on the receiving end there.
For a non-peer adversary, our bombers are already invincible. For peer adversaries, the threat model is similar to missiles.
AI bombers are not cruise missiles. They must avoid or deal with radars, flak, SAMs, and fighters.
The life of a 21st century bomber is closer to playing several games of chess at once than it is to playing at bein a cruise missile.
Technically no, since a bomber isn’t intended to be expendable. But functionally yes.