If you've followed me for a while, you know I don't give OpenAI the benefit of the doubt on privacy.And personal finance is one of the last places I'd want to see weak defaults.Bank data reveals your income, debt, rent, medical bills, donations, subscriptions, travel, relationships, employer, habits, and vulnerabilities.In other words: it is a behavioral map of your life.OpenAI says this finance experience is read-only.The real risk is what happens when your financial context joins a general-pur

While the cost per token has plummeted and will keep falling, the sheer volume of tokens consumed has exploded. This is Jevon’s Paradox in action: greater efficiency in one dimension (cheaper tokens) drives dramatically higher overall consumption.Frontier models today default to a “kitchen-sink” approach. They throw maximum context, maximum reasoning steps, and maximum parameters at nearly every query, regardless of complexity. The result is massive over-provisioning like using a supercomputer t