Almost every program that we run has access to the environment, so nothing stops them from curling our credentials to some nefarious server.
Why don’t we put credentials in files and then pass them to the programs that need them? Maybe coupled with some mechanism that prevents executables from reading any random file except those approved.
You don’t login as service users, they’re just a means of taking advantage of the user separation features. They have the login shell set to /bin/false typically.