I'll humor you with an explanation.Then tell me oh wise one...when in that first heist why didn't the relic function on Jackie? He was dying and the chip did nothing for him? These are the huge inconsistencies with the storyline and this game...smart people aren't fooled by the BS.
In order for the chip to start uploading the engram to take over the body, the host (jackie) must have been dead. I believe they used synaptic function to be precise.
The core difference between Jackie and V, and thus why the relic didn't initiate anything, is for the time Jackie had it slotted, he was never dead, just badly wounded.
The chip was removed from jackie by himself before his life got extinguished moments later.
With V, she was 'fine' up until Dex shot him/her in the head and only then, after having died, the relic started to do what it does.
This is the core of it.