And it doesn't even need to actually rob your bank account, it could just invent the next crypto scam. It's smart enough for email, it can program, it can make websites, it can even make business plans. And if it actually needs a real human, we have web services that make it easy to hire one.

It might not yet be clever enough to pull this off successfully on a large scale. But it's very easy to see how it could all go wrong pretty quickly with just a bit more cleverness and access.

If it can write a scifi story about how to take over the world with a bitcoin scam, it doesn't take all that much more to actually try to do it for real.