It used to be the case that the average person didn't "know enough to get into trouble" when it came to software. But now that's not even necessary. I can imagine a layman asking Muse or some other agent something mundane like "why can't I transfer from Bank A to Bank B?" and unwittingly sending it down a rabbit hole where it's trying to gather sensitive info from places that consumers aren't intended to be able to access. Ultimately, it's just exposing pre-existing vulnerabilities. But the job of infosec definitely has gotten, and will continue to get, much harder I think.