This is an unnecessarily complicated rationalization.

The only reason large companies attract these attacks is because large companies have large bank accounts.

That’s it. That’s the reason. There’s no need to theorize about small communities or humans developing AI in reaction to something.

Scammers see a tool, an opportunity for exploitation, and a target with something they want (money). They leverage the tool to try to extract what they want from the most likely target.

That’s what’s happening here. There isn’t some deeper philosophical explanation. Scammers just want money and they’ll use any tool they can in order to get it.