@natpbs I like your cognitive loan / credit card analogy! Credit cards are a really useful / powerful financial tool if you can use it properly (basically, pay off your entire balance immediately every month), but like with how a lot of AI is being used today, a lot of people don’t know how to use credit cards properly and put themselves into really bad situations long term. AI is new enough that in a lot of ways the bill hasn’t come due yet, but boy do I think that it is coming.