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Adam Smith addressed this in "The Wealth of Nations." The coal furnace door opening children all got fired when one of them discovered they could tie the door handle to the piston and open the door automatically for the coal shovelers.

This isn't an AI problem. This is an owner vs. employee problem. Advances in technology accrue to the owners at the expense of the employee. This always happens because employees sign over rights to their innovations to the employer in exchange for a short term need for money.

Most people never take the time or spend the money to invest in themselves.

Whatever your opinion of college is, last I checked people are still treating it as an investment in themselves.

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