This is true in the current proposal, but I think I think there is a pretty clear path to allowing balance spends from EOAs during execution – if we make same some of the assumptions as AA, just charge enough to cover potentially invalided txs. In that case, it should be equivalent to smart contract multisigs today and when we have AA it will be able to also pay for its own gas. It’s definitely not a major selling point to 3074 though 
I also tried to flesh out this vision for an EOA migration to smart contract wallets: Validation Focused Smart Contract Wallets