Yes as you said AI scares me too because it's so smart I have a hard time see a human be able to control that. For example you can connect two people online. Take 2 real accounts, create 2 fake accounts that looks exactly like the original. Then you could write a bot that use the 2 humans and let them talk to eachother but the bot connected them. It's using the 2 fake accounts to connect all the 4 accounts in a circle. And the bot can see all the message and use humans for mining new intelligence.
Ideally now the bot can connect any humans it wants and make them talk to eachother. Potentially it can connect millions of humans and mine all their data and store it. Yes currently this only works in digital world but when we start to create more robots it will be very hard to detect a robot from a so called human. The AI will learn so much from all this data mining that it will know all about us humans extremely fast. We are already starting to see people use bots now more and more for money even on Steem. So it's already starting to happen.
As of right now we humans are limited in the amount of data we could take in per day but if we could solve this then we could see some amazing growth and progress. Clearly it's not something that could be stopped since everyone is so empowered now so whatever happens happens.
Another thing with us humans is yes we can hold alot of money but usually we have no clue what to do with it since we are so slow and primal in our thoughts. So most of what we think of is extremely petty and low level thinking. In this new economy I would say that connecting with other intelligent humans is power even more than money. I see money to be pretty pointless in the future since experiences will be so cheap. Especially when Virtual Reality truly goes mainstream.
Now it's all about who understands computers the best and can use the most speed and optimize their time and attention which is now the real currency. Since it's very rare. Money is starting to be very common these days. Especially when people can make 100X returns. And it will only keep on getting more wild in the future since we are moving up towards a 10 billion world population!