But if we're talking about optionally giving it access to your email, PayPal etc and a "YOLO-outlook on permissions to use your creds" then the VM itself doesn't matter so much as what it can access off site.

Bastion hosts.

You don't give it your "prod email", you give it a secondary email you created specifically for it.

You don't give it your "prod Paypal", you create a secondary paypal (perhaps a paypal account registered using the same email as the secondary email you gave it).

You don't give it your "prod bank checking account", you spin up a new checking with Discover.com (or any other online back that takes <5min to create a new checking account). With online banking it is fairly straightforward to set up fully-sandboxed financial accounts. You can, for example, set up one-way flows from your "prod checking account" to your "bastion checking account." Where prod can push/pull cash to the bastion checking, but the bastion cannot push/pull (or even see) the prod checking acct. The "permissions" logic that supports this is handled by the Nacha network (which governs how ACH transfers can flow). Banks cannot... ignore the permissions... they quickly (immediately) lose their ability to legally operate as a bank if they do...

Now then, I'm not trying to handwave away the serious challenges associated with this technology. There's also the threat of reputational risks etc since it is operating as your agent -- heck potentially even legal risk if things get into the realm of "oops this thing accidentally committed financial fraud."

I'm simply saying that the idea of least privileged permissions applies to online accounts as well as everything else.