But when you die and an AI company contacts all your grieving friends and family to offer them access to an AI based on you (for a low, low fee!)

You can stop right there, you're just imagining a scenario that suits your prejudices. Of all the applications for AI that I can imagine that would be better served by a model that is entirely under my control this would be the top of the list.

With that out of the way the rest of your rhetorical questions are moot.