With the moody, inconsistent people, we can understand and evaluate their incentive reasoning - positive or negative and empathize with that understanding to assign a level of trust.

With any AI - especially to ones who didnt design/create it - any and all of its motivations, incentives are completely (emotionally) opaque to the recipient of the outcomes of its behavior.

I know we are saying the same thing - but unless a "receipt" can be given for a decision to why an AI / NN made a decision, people will not learn to build an understanding of a trust.

Otherwise, AI will always be hated by the humans who feel slighted by the cold decisions of a machine against them.

And that is clearly going to be the real future.

There will be anti-AI terrorism/activism and violence against systems, companies and countries that make life-bending decisions by AI against groups of people.

The seed to this future is the gatekeeping to capital/resources through FICO-like systems.