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When Dexia was loaded with 8bn€ of Greek debt in 2008, Ch Lagarde, then French Ministry of Finance, came to the bank and asked these assets to be kept on the balance sheet. Trust me she said. The bank finally lost 6.9bn€ which contributed to its collapse. And I totally lost any trust into her jugement. Maybe her son did the same...

Forcing customers to "benefit" from subscriptions they might have no use for is called linked sale. It is forbidden by law in France and many other European countries. Revolut should expect a significant percentage of customers to either leave the bank or downgrade their plans (which I will do).

The reasoning "if everyone use the same model..." is skewed: All financial institutions know that you make money only if you use models that are more discriminating than the competitor's. Hence there is no point in simply duplicating an existing model without bringing your own grain of salt - which will make it behave differently from other models.

In addition, there will always be crises - notably due to the Panurge effect (like sheeps, we have a tendency to follow our neighbour) - well-known for centuries. Attributing future crises to AI is just feeding the irrational fear associated to novelty.