The difference is AIs are identical and don't learn. If you figure out how to defraud a human once it may not work on the next guy. If you figure out how to defraud an AI once you can repeat it indefinitely until the AI is shut off.
No one reasonable is saying, “hook up this model to do anything it wants with no other system available.”
Will people fuck it up? Absolutely! But, “the model has to be perfect or it will bankrupt a company” is more cynical than reality.