It's it a little classist to concern yourself with "Joe Shmo"? What it is that Joe is going to do that's any worse for him than what Elon Musk, Jeff Bezos, Paul Bulcke (Chairman of Nestle), or Nils Andersen (Chairman of Unilever) isn't already doing?
How is an actual AI (not what we see today, but actual AI) more scary than the headless and amoral (not immoral, but amoral) organizations we have built today?