there's no such thing as "ai scheming". that's complete science fiction. if an ai says something creepy to you, it doesn't understand what it said. strings are strings. all data is the same.

there is such thing as technology companies scheming, and they appear to be trying to trick you into believing the scifi fantasy that the ai is coming to life, rather than the reality that they programmed it to steal your data.

if people start reporting ai systems stealing money out of their bank accounts, there's going to be some people that are going to need to go to jail for fraud.

it's not the technology you should be afraid of, it's the humans behind it. the humans need to be regulated. the technology doesn't.