Sure, if the bot is actually committing fraud, but there's perfectly valid use cases that don't involve fraud, e.g., buying groceries, booking travel. And some banks provide APIs, so it's allowed for a bot to use them. However, any of that can easily lead to flagging by overzealous systems. Having a separate account flagged would give the user a better chance of keeping their regular payments system around while the issue is resolved.

it just has to look fraudulent

and then if you tell them it's not you doing the transactions: you will be immediately banned

"oh it's my agent" will not go down well