I don't know if crime using a tool that's spying on you the entire time is a great idea. The one thing you can count with commercial AI is that whatever you use it for, everything you do will be heavily scrutinized.

By the time we have AI on the desktop, my AI will be monitoring my accounts 24/7, and would have contacted the bank and the police before the game even starts.

We don't keep people from creating websites just because they could create a phishing site. AI can be used for bad things, just like computers can generally, but I'd rather keep them both unrestricted. If someone's doing something bad with a computer, or an AI, go after the person committing the crime. AI will even help you catch them.