I don't think anyone is arguing it isn't one. The fact that all of these agents have provisions for keeping .env vars and credit cards out of their chain of thought and responses is evidence enough of that - they know full well the info they're handing can easily be leaked. Notably though PII is absent from that, since without that information the agent just isn't valuable.

What most people are arguing is whether or not it's worth it. These things are essentially executive assistants, which historically have also been massive vectors for security leaks. EAs know the most about you, your behaviors, and your motivations. Still an EA is almost always worth it if you can afford one. Given now the cost is free, Muse is something I've both used and recommended. It's worth the risk for me.

at the cost of all your data and probably your eternal soul

I agree with your assessment, however I think tech executives are out of touch and lack self-awareness if they think people really want or need this. The whole reason an EA is worth it is because you are making outsized money and your time is worth too much to handle any mundane details that normal people deal with. Along with that there's the whole social signaling of having an EA because it signifies ones wealth and importance.

A free digital EA confers none of that—and it will annoy everyone you know. The only use case I see having legs is dealing with large bureaucracies like canceling subscriptions or medical billing issues, but there I think the common man will lose as the rise of this automation will see a distributed adversarial response from bureaucracies who will happily put up whatever barriers are needed to prevent Muse and other digital EAs from impacting their bottom line.

There's a 50/50 chance I'm just getting old here, but I really think we're going through an epochal shift where new consumer tech won't have the same reception as the smart phone and increasingly addictive bite-sized algorithmic media did over the last couple decades. I think going forward there will be more palpable questioning from younger generations about why do we even want some of these tech products? At some point convenience reaches diminishing returns and we have to think deeper about what we're trying to get out of life.