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They are already here and have been for quite some time. Every bank has internal scores for their customers and the normal employee cannot override this. The services a customer is allowed to get are already defined. Easy to imagine that this will be extended to housing, insurance and all general services.

Since people ignored warnings about sharing data, a solid basis of quantifications of any imaginable metric is already established to a large degree. But at least they got the service for free and it was convenient...

Some might think the increased efficiency would decrease overall prices, but economists can explain why that will not be the case.

It won't be the general purpose AI you need to fear. It will be the tiny specialized agent that reduces input to a number that will be attached to your person. There will be many of those.

You don't know how an agent works. Maybe the simple number of transactions you do is bad for you credit score. If it was known, people would try to optimize this score, which would put us in an insane monkey prison.

The reasons for these arbitrary conclusions will always be hidden behind proprietary software that will be tightly guarded against potential competitors.