Silently corrupting files, that goes undiscovered until after backup window closes, and data exfiltration are the immediate, serious risks.
Just make sure it doesn’t have ssh access to any other machines!
The opportunity cost of not using OpenClaw? I don't think it's that foundational yet that there is an opportunity cost to not using it. Most people have no purpose for a general-purpose AI both in their personal lives and at work, there is no sense trying out OpenClaw when you don't even know what it'll do.
Technically a merchant could require meeting in person to exchange a OTP to avoid this and make it 0 but it is not worth it and you will get out competed by other businesses willing to take on a marginally higher amount of risk to unlock a lot of utility for the user.