Nobody knows if and when programming will be automated in a meaningful way. But once we have the tech to do it, we can automate pretty much all work. So I think this will not be a problem for programmers until it’s a problem for everyone.

I assume these would be credentials in the training data, not something it got from other ChatGPT users?

I’m pretty sure it doesn’t remember conversations from other users (or even your own). That’s just not how it works.