The thing is that if you want it to do useful things, you kinda have to give it access to some of your accounts.

This is not true. It is useful without having access to a single account of mine. My setup runs on its own accounts and hardware. Obviously it is not sending out emails from my inbox, but that is not a usecase of any value to me. And if it was, there are actually plenty of ways to do that safely as well.

If you think you need to give it the keys to your kingdoom to be useful, you are not actually experimenting with this stack but regurgitating the words of others. I really don't understand the mindset of comments like this.