Does Monks/Champions have an Homunculus? no
So they don't need an AI.
Every Homunculus runs on an AI coded in LUA.
They even supply a basic AI in the RO setup, which is in LUA.
If you have ever played an alchemist, you should know about the /hoai command, which lets you switch between the basic AI and the user AI.
The user AI is meant to be customized by the player, the name says it.
The LUA scripting language is pretty robust, but there are some things that are not possible to script
Those are the stuff that can't be scripted in a LUA: (and not allowed on iRO)
1. Ground targeted skills (ie: Demonstration)
2. Auto feeding the Homunculus
3. Having the Homunculus maintain its AI when out of range of the Alchemist
4. Having the Alchemist move around.
What's possible to script: (and allowed on iRO)
1. The alchemists casting targeted skills at things targeted by the Homunculus (Ygg isn't a skill, thus can't be scripted)
2. Casting targeted skills at the Homunculus (ie: auto aid pot)
3. To have a priority attack list (attack x before y)
4. To KS or not KS (good idea to not KS by default)
The developers chose LUA for a reason.