AI can take your job from you or make you spend unnecessarily if you give it the chance because we as humans should always think outside the box and be one step ahead. It's still we human that built and programmed this AI which means that it's useful to us. That shows that there are some things that AI cannot do just like human reasoning for a solution to a problem that needs critical thinking.
AI should be seen as a tool that help humans improve their productivity not something that should completely replace human intelligence and judgment, although a AI can perform many task faster and make certain jobs easier so it now depends on human direction, creativity and critical thinking the only thing know how to use it wisely rather than depending on it.
You seem to be tilting away from the topic. This is not about AI taking out jobs or replacing humans. It's about how AI makes exorbitant financial decisions when given the opportunity.
I understand and agree with Op, AI models keep suggesting and recommending another model and recommends the premium subscription.
This is where your logic comes in, we shouldn't give AI that authority of financial decisions. Even in our work designs, AI should only recommend and not draft the final verdict.
Op, if AI recommends more than you earn, tell it to recommend other ways to increase your earnings lol.