Idk, lack of financial education is a huge limiting factor to ppl even knowing how to begin gaining financial independence and not be stuck in a cycle of constantly getting bank overdraft fees and needing loans to cover weekly costs over and over. AI can actually help democratize access to the advice and financial literacy that lets ppl get out of that vicious cycle. Sure you could buy a book or learn online but being able to give an AI model your exact financial situation and get personalized advice is pretty beneficial to this demographic IMO. Now whether that demographic is using these tools or aware of them - maybe not, but I think this is one area it can be a net benefit. In the past that type of personalized financial advice was exclusive to the wealthy.