Why relying on unverified chatbot financial advice leads to costly errors
Since the start of 2026, safety for public and general-purpose AI tools such as ChatGPT, Gemini etc has appeared to be pulling in two different directions. The technology is moving deeper into everyday decisions, yet the companies building it are sending mixed signals about how tightly it should be controlled.
In January, OpenAI strengthened health guardrails in ChatGPT, limiting how the chatbot responds to medical queries and steering users toward professional advice - a subtle recognition that general-purpose AI can mislead people in high-stakes situations. Meanwhile, Anthropic has recently stepped back from parts of its voluntary AI safety pledge.
These contrasting moves expose a bigger question: where should guardrails for public AI actually sit? Healthcare has emerged as a clear red line, but another critical area is expanding through AI with far less scrutiny - finance.
The habit of consulting public AI tools for financial guidance is quickly becoming a...
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