Consider the following scenario. Suzy is 63, recently retired, and trying to decide when to start receiving Social Security and how to manage her retirement savings to minimize the tax hit. She opens an AI chatbot, types in the details, and gets a calm, well-organized and confident answer: Claim now, convert this much, here is the reasoning. The chatbot sounds authoritative and even shows its work. So Suzy follows its guidance and never calls a financial planner. Maybe the advice was fine. But m