Bob is the operating system, software and browser - spirit of intellect. If he can interpret the extremely complex and dense signal of Demonreach, and present is in a format Garry can understand the internet is a snap, especially as it means unlimited porn as an incentive.
Harry can actually therefore get a credit card and some use out of it even after it gets ruined, the chip or strip isn’t needed for on-line purchase.
An AI is really just a new type of spirit of intellect, not born from a brain but from a circuit board. The Fae can come into existence in so many ways, why not? Bob may be the bridge, so we might get Bob Junior born of Bob and the internet.
What a horrifying thought.