It doesn’t have to have a credit card number to be useful. I don’t need it to purchase anything. Mine has its own icloud and google account. I can share calendars to it. You can donate same with email or shared lists. There are ways of using openclaw without yolo’ing all your secrets.
But it does need to know personal info to be useful as an agent (calendars, email). The danger is that it’s a hassle to vet every bit of data, and to be useful it needs to know a lot, leading to oversharing, and if you use it long enough you will leak secrets that you didn’t want to leak.