There will be 1 day, an AI bot will start programming itself to "talk" to people and get them to feed their active key into their data base. There's also possibilities that an AI bot will be able to self optimize to generate a 52char pass code to hack any account. But again, all these "AI" required a beneficiaries in order to make it "worthwhile" for all these process.

Put it this way, why does SkyNet trigger world war? Why is there rogue robot? Who are the beneficiaries? I don't see any time soon AI can really think by itself. Atleast not until the day when AI "realized" human being is actually the "virus" of the earth. Quote Matrix, human has been consuming earth, moving from one place to another and spoil whatever they can and consume any resources they can possibly put their hands on.

Oh wait. we are now talking about AI. Human does make their own trouble. Check out STEALTH as well. You can't tell an AI learn this, don't learn that.