I don’t know any human who’ll transfer their money or send their private information to a malicious third party because invisible text on a webpage says so.
Yeah this isn’t a substitute, it’s automation taking action based on inputs the user may not even see, and doing it so fast without the likelihood a user would intervene.
If it’s a substitute its no better than trusting someone with the keys to your house, only for them to be easily instructed to rob your house by a 3rd party.