I am old enough to remember having a bank book and how I used to have face to face contact with a human when I wanted to deposit or withdraw money. These days I watch as the younger generation use the cell phones to pay for goods and I often wonder if they know just how much money they have in their accounts, do they keep track of it all? I don't use the self scanners at the supermarket because I know that the introduction of such methods has put someone out of work and in some cases onto welfare. Some never recover. I don't know the answer but it sure bears thinking about. At what point will AI become dangerous, making decisions we may have no control over. Most proponents of AI only see the monetary advantages, what happens when AI learns to reproduce itself? Like you, I have reservations about it's future.