Artificial intelligence has many faces and aspects, but it's not the ultimate evil or savior of anything. No one subsector of the technology is the clear choice to do everything people consider, or necessarily anything.

While keeping a balanced view — neither enthralled acolyte nor determined vampire hunter — it's important to keep an eye out for the types of things that could go wrong. Not because of the innate flaws of the technology, but the truly dumb things that people would end up doing with it.

That's the gist of what SEC Chair Gary Gensler told the Financial Times in a recent interview. And it makes perfect sense if you consider some of the crazy things that have been done in the past. Because, in the end, AI is a tool people use.

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