Not always. I teach a module where my lectures are fully coursework assessed and my god, a lot of the submissions are clearly AI. It’s super hard to prove though and I just mark the same as any other, but half-halluvinated school-grade garbage scores pretty damn low.

(edit: this is because we are trained on how to write questions AI struggles with. It makes writing exams harder, but it is possible. AI is terrible at chemistry. My personal favourite being when Google AI told me the melting point of pyrrole was about -2000C, so colder than absolute zero)

The money is a means to an end. It would be more efficient to steal the drugs themselves. As a first guess, threaten a doctor to steal the drugs and write out a detailed rota of what to take and when for you. Depending on the means used to coerce, leave the country afterwards. Or just live in a country with socialised healthcare