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bad-at-optimizing consumers

my lowkey-crazy take here is that personal-finance AI agents will do precisely this... forcing that number up toward, basically, where the rent/added benefit to company running the scheme isn't worth it anymore

I'm not convinced that AI can't be tricked into suboptimal behavior too

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true... but why would my personal-finance app trick me into suboptimal behavior? (I suppose if it's all integrated/same bank etc then yeah, OK).

But quite often my payment app (=Revolut) and I are pretty aligned in our interests. (I had a full paragraph recounting a story w RevolutPay etc, and their fake points, but I took it out from this post).

...or I just cross-run my agents, right; like, give one access/permission to act on the other's. I dunno, I'm dreaming, I guess

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I fully expect to see some problems due to underestimating how many biases are unknowingly loaded into these models.

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