Whenever life corners people so tightly that uncertainty becomes unbearable, certainty itself becomes a product—and someone, somewhere, will always be ready to sell it.… When the first message arrived, Daniel almost deleted it. It claimed to be from an AI financial assistant that could identify cryptocurrency arbitrage opportunities with “institutional-grade intelligence.” The language was polished. The website displayed security badges, compliance statements, and testimonials from people who supposedly doubled their savings in months. Daniel was forty-eight years old. Three years earlier, an AI system had automated much of the accounting work at his company. Although he kept his job, his salary had stagnated while prices continued to climb. His adjustable-rate mortgage had become more expensive after central banks spent years fighting inflation with higher interest rates. His daughter would soon enter university. His retirement fund had underperformed. Every ...