> Using AI, I've been able to land several interviews and work 3 jobs remotely currently without much effort

Working 3 jobs is almost certainly defrauding the employers, your employment agreement likely forbids this due to IP ownership issues and expectations that you're, ya know, working for them when they're paying you and not secretly collecting a paycheck while working for a different company during the time they're paying you to work for them?

Also, unclear if you're also fraudulently claiming experience you don't have by having AI write a resume tailored to the job posting rather than representing what you've actually done.

If your 3 jobs are actually part-time jobs, with clearly delineated and compartmentalized time and work tracking and the employers are aware and the contracts allow that, then fine. But your description definitely reads like someone bragging that they're hacking the system to get away with tricking multiple employers into thinking you're working full time for them.

I think the "fraud" they are likely referring to is working 3 jobs at the same time as a software developer. Do all of the jobs know you have 2 others in the same line of work? If you're a consultant and advertise as such, no big deal imo, but I do think there is something to be said if you can't be honest with all of your employers about what other work is on your plate.

Programming is by definition technical work that requires a significant amount of brain power and focus and if I am an employer (a good one!) I would intuitively expect a certain level of focus from each employee that also entails a certain amount of downtime in order to stay fresh and alert.

This is my attempt at a steel-man of their argument. If your employer(s) is happy with your output and you aren't lying about your availability in order to juggle everything, then there is no harm imo.