I think the difference in magnitude turns it into a difference in kind.

Fraud alerts are something I asked to have sent to me, so to me it’s more of a tool doing its job. A tool I chose to use. Similarly if I decide I wanted to be alerted about severe weather, a notification isn’t just “technology contacting me”, it’s a tool I use, performing its expected function.

It seems like your rule is a lot of complexity all to say you don't like push notifications, toasts, or modals that are advertisements.

Of course it's from the computer. It's an electronic message. What a weird and pointless distinction. It's still programmed to do that on behalf of the bank's fraud department, a service done by people at the bank that you engage to protect your money. It's a service.

Not like the Safari notification. It helps you in no way, it's not a service. It's an ad.

I'm going to guess that there are folks at Apple who genuinely believe that they are providing a service with these notifications.