Every new technology first feels like magic. The internet meant freedom. The smartphone meant convenience. Now AI assistants manage our money: allocating budgets, investing the remainder, optimizing decisions, and helping us avoid emotional mistakes.

It sounds like the perfect future. But every technology is a double-edged sword. On one side, life becomes easier. On the other, there is a subtle risk of degradation: when decisions are made “in chat,” people may gradually lose the habit of analysis, doubt, and personal responsibility.

The Labor Market: Another Layer of Risk

Here lies the paradox. Blind dependence on AI can weaken thinking — but refusing to use AI makes a person less competitive. The labor market is already shifting: those who win are not the ones doing everything manually, nor the ones delegating everything blindly, but those who understand how to control the tool.

• formulating precise prompts and providing context
• interpreting outputs instead of blindly accepting them
• verifying results and understanding model limitations
• using AI as an amplifier — not a replacement — for thinking

A new form of literacy is emerging — AI literacy. Not using AI is becoming a risk. But trusting it without understanding is a risk as well.