An artificial intelligence system recently passed the hardest financial adviser exam in minutes, looking like the smartest money manager in the room.

It feels like progress. But it should also feel like a warning. Remember the old Holiday Inn Express commercials? A regular person suddenly acted like a surgeon or scientist just because they “stayed at a Holiday Inn Express last night.” The joke worked because credentials matter. Or think of Leonardo DiCaprio in Catch Me If You Can, faking his way through roles as a pilot, lawyer, and doctor. He looked the part, but it was all an act.

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