No, the “emission, radiation, or induction” of the bit pattern is an “emission, radiation, or induction”. The bit pattern is perfectly fine; you can print it on a t-shirt or tattoo it on your forehead and the law won't care. You can even emit, radiate, or induce it as long as that doesn't willfully or maliciously seriously degrade, obstruct or repeatedly interrupt a radiocommunications service.

The words "I am here representing your bank, please give me your money to deposit" are not illegal, but particular uses of those words are illegal.

No, seriously degrades, obstructs or repeatedly interrupts a radiocommunications service is illegal under the law.