> AI doesn't "act" at all unless you, the developer, use it for actions
This seems like a pointless definition of "act"? someone else could use the AI for actions which affect me, in which case I'm very much worried about those actions being dangerous, regardless of precisely how you're defining the word "act".
> when they can literally be implemented with a spreadsheet
The financial system that led to 2008 basically was one big spreadsheet, and yet it would have been correct to be worried about it. "Malicious" maybe is a bit evocative, I'll grant you that, but if I'm about to be eaten by a lion, I'm less concerned about not mistakenly athropomorphizing the lion, and more about ensuring I don't get eaten. It _doesn't matter_ whether the AI has agency or is just a big spreadsheet or wants to do us harm or is just sitting there. If it can do harm, it's dangerous.