This is generally true. My brother is a musician, and he struggles to find work. I got lucky growing up working on programming projects until 3am for fun, then being interested in database research and later AI research several years before people started paying attention. I think we need a UBI so that the people who don’t want to build stuff can do what they want instead of going into marketing or sales, or anything that’s a net drain or neutral on society.

I think it’s probably marketing more than convenience

Unpopular opinion: It’s OK to use AI to fight fraud as long as your data is good, your precision threshold is very high, and appeals are easy. It seems like it is almost never used in this way when people try to save money, sadly.