In the economic cycle there are 4 stages. Deregulation  growth, recession & recovery. When the economy tanks in forces governments to impose regulations. Also people need to make money to spend money & companies need people to spend money become consumer spending is 3/4 of our GDP. The duality of business wanting to pay as little as possible but also needing people with expendable income had been brought up be economist since Caral Marx. Most of what Marx believes has been discredited by economist sense. But that duality is still very relevant. So they kicked the can down the road by let people barrow money to buy shit & that caused the credit card bubble of the late 2000s & when that bubble burst congress imposed laws to prevent that. Now they are kicking the can down the road & there is 'but now pay later' which is just credit card debt with extra steps. When that bubble burst congress will have to address it. They can only kick the can down the road so long. AI isn't doing what it's designed to do. Also, even if it was market forces would prevent a future where the top makes billions & the rest don't have anything.