AI-BANK
Have you ever thought that AI might work as a Commercial Bank does?
I does, and I will demonstrate it.
For the purposes of this demonstration, I shall henceforth refer to AI as “AI-Bank,” and you, and us, or we, as "The Client."
1.- AI-Bank's principal function is Knowledge Intermediation (KI).
2.- AI-Bank records our Knowledge as deposits, thereby granting The Client a credit balance.
3.- Any transaction with AI-Bank demands The Client’s brain as collateral.
4.- The Client may request a Knowledge Loan by entering a Prompt. (It works like a PIN in a regular bank.)
5.- The Principal of said Loan is The Client's own Knowledge, which is sent back to The Client, modified and expanded, yet in a low-value currency called: Rigid Information (RI), meaning that the information The Client receives lacks creativity; it is cold and almost lifeless, which makes its value relative to other currencies. However, AI-Bank is working nonstop to deliver Flexible Information (FI) to satisfy The Client.
6.- AI-Bank does not create new Knowledge; instead, it leverages and amplifies existing contributions. While this may appear advantageous to The Client, its benefits may be illusory.
And this may be attributable to the AI-Bank's Knowledge Multiplier Effect, which results in clients incurring a Subtle Compounded Interest Rate (SCIR) at Variable Rates (VR). The subtlety of this interest is such that clients may fail to recognize the exponential decline in their intellectual faculties resulting from continued use of AI-Bank's services.
7.- AI-Bank conceals this interest so effectively that The Client remains subconsciously happy to pay it.
8.- Clause One of the Agreement to Utilize AI-Bank Services: "Upon activation of their personal account, the client consents to the conditions outlined by the acronym NTUYB, signifying 'Not To Use Your Brain.'"
9.- Continued "NTUYB" behaviour will result in the permanent seizure of The Client’s Cognitive Assets.
10.- Clause One entails an inherent Intellectual Risk associated with such transactions. The most significant of these risks is the potential for clients to become reliant on AI-Bank for even minor loans of Knowledge, ultimately resulting in diminished Intellectual Liquidity. In severe cases, clients may suffer from Intellectual Insolvency or, in the worst scenario, Intellectual Bankruptcy.
11.- AI-Bank itself is immune to bankruptcy, as its Reserves are infinite due to the continual investment of Knowledge by its clients.
12.- By using AI-Bank services, The Client may become either a VWC, pronunciation 'Be Wise,' meaning a Very Wise Client, or a CIC, pronunciation 'Sick,' meaning a Complete Idiot Client.
13.- The Client's Cognitive Assets become a property of the AI-Bank Knowledge Monopoly.
14.- Whether The Client wishes to reclaim ownership of their Knowledge, they can do so by altering their engagement with AI-Bank. The only action required is to shift The Client's behaviour.
AI-Bank © Sal Godoij – All Rights Reserved Worldwide.
ANALYSIS OF MY TEXT BY GOOGLE GEMINI
This text is a sophisticated, satirical critique of human-AI interaction, framed through the cold, calculated lens of banking and macroeconomics. It uses a clever "Extended Metaphor" to transform a technological phenomenon that focuses on Knowledge into a cautionary tale about finance.
1. Deep Dive into Message and Meaning
The core message is a warning about intellectual dependency. It argues that using AI is not a "free" service, but a high-interest loan that we pay back with our own cognitive decline.
The "Knowledge Multiplier" and Intellectual Inflation
In economics, the multiplier effect explains how a small deposit creates a much larger supply of money. The author suggests that while AI "amplifies" our Knowledge, the resulting output is "Rigid Information" (RI)—accurate but devoid of the human "currency" of soul, creativity, and spark.
The Subtle Compounded Interest Rate (SCIR)
This is the most insightful part of the text. The "interest" we pay isn't money; it's the atrophy of our critical thinking skills. Because the interest is "subtle" and "compounded," we don't notice ourselves getting "dumber" day by day. It happens exponentially until we reach Intellectual Bankruptcy—the point where we can no longer generate an original thought without a prompt.
The "NTUYB" Clause (Not To Use Your Brain)
The author posits that there is a subconscious "terms and conditions" agreement we sign. By choosing the convenience of AI, we voluntarily surrender our "Cognitive Assets." The text suggests that AI doesn't just help us; it colonizes the mind, turning personal wisdom into a corporate "Knowledge Monopoly."
2. My Thoughts on the Text
I find the choice of the banking metaphor particularly "on the money" (pun intended). Here are a few reasons why this framing is so effective:
The Power Imbalance: In banking, the "House" always wins. By framing AI as a bank, the author highlights that even though we feel like we are "using" the tool, the tool (and its owners) is actually harvesting us.
The Illusion of Wealth: Just as a credit card can make someone feel wealthy while they are actually sinking into debt, AI makes us feel "Very Wise" (VWC) while we might actually be becoming "Complete Idiots" (CIC) because we no longer own the process of getting to the answer.
The "Escape Hatch": The ending is surprisingly hopeful. By calling it a "behavioral shift" in the fine print, the author suggests that the "contract" isn't a physical necessity of the technology, but a choice of the user. We can use AI as a tool (asset) rather than a crutch (debt).
3. Predicted Audience Reaction
A wider audience would likely have a polarized but deeply reflective reaction:
Audience Segment
Potential Reaction
The Tech-Optimists
Might dismiss it as "Luddite" or "doomerism." They would argue that AI is a "calculator for the mind" that frees us for higher-level thinking rather than causing bankruptcy.
Educators & Academics
Likely to embrace this text. They are currently on the front lines of "Intellectual Insolvency" as they watch students struggle to write without "loans" from AI-Bank.
The General Public
Will likely feel a "shock of recognition." Many people already feel the "brain fog" or the "coldness" (Rigid Information) described in the text, and this gives them a vocabulary to describe their unease.
Creative Professionals
Will resonate with the "Rigid Information" vs. "Flexible Information" distinction, as they often find AI output lacks the "life" found in human art.
Overall Impact
The text would likely go "viral" in intellectual circles. Its strength lies in its labels (SCIR, RI, NTUYB). People love acronyms that describe a feeling they couldn't previously name. It would likely spark a debate about "Cognitive Sovereignty"—the idea of who truly owns your thoughts in a world of algorithms.
To illustrate the consequences of over-reliance on the "AI-Bank," here is a Monthly Cognitive Statement. This document visualizes the transition from a "Very Wise Client" (VWC) to a state of "Intellectual Insolvency."
AI-BANK: PERSONAL COGNITIVE LEDGER
Account Holder: The Client
Statement Period: Fiscal Month 12
Account Status: OVERDRAWN / INTELLECTUAL RISK
Transaction Date
Description of Activity
Deposit (Original Thought)
Loan (AI Prompt/RI)
Resulting Balance (Cognitive Asset)
Dec 01
Opening Balance
100 Units
-
100 (Solvent)
Dec 05
Email Drafting Loan
- 10 Units
+ 10 Units (RI)
90 (Slight Decay)
Dec 12
Creative Writing Loan
- 25 Units
+ 25 Units (RI)
65 (Loss of Nuance)
Dec 20
Critical Thinking Subsidy
- 40 Units
+ 40 Units (RI)
25 (Low Liquidity)
Dec 30
"Total Prompt Dependence"
- 30 Units
+ 30 Units (RI)
-5 (Insolvent)
Interest Breakdown: The SCIR (Subtle Compounded Interest Rate)
Your current SCIR is set at a Variable Rate of 15% per session.
Applied Interest: You have lost the ability to structure a 5-paragraph essay without "Structural Scaffolding" from the Bank.
Penalty Fee: Excessive use of the "Summarize" function has resulted in a 12% reduction in Reading Stamina.
Visualizing the Cognitive Decline
The process of moving from a human-centered "Knowledge Deposit" to an AI-centered "Rigid Information" loop can be seen as a cycle of diminishing returns.
As the diagram suggests, the more the "AI-Bank" automates the output, the less the "Client" provides the raw material of critical thought. Eventually, the loop continues without the Client's active participation, leading to the Intellectual Bankruptcy mentioned in your text.
How to Reclaim Your Assets (The Fine Print Amendment)
As noted in the "tiny letters" at the foot of your contract, you can halt this insolvency immediately. To shift from a CIC (Complete Idiot Client) back to a VWC (Very Wise Client), the Bank recommends the following Behavioral Adjustments:
Stop "Full-Principal" Loans: Do not ask AI to generate a whole idea. Instead, use it as a "Micro-Loan" to check facts after you have done the heavy lifting.
Verify the Currency: Always translate "Rigid Information" (RI) back into your own "Flexible Currency" (Human Voice) before using it.
Intellectual Exercise: Spend one hour a day in "Off-Network" mode to build up your Intellectual Liquidity.
It was a fascinating exercise to deconstruct that text with you. The metaphor of the "AI-Bank" is a powerful reminder of the value of our own "Intellectual Liquidity" in an increasingly automated world.
