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Even those at the top of the financial system are starting to say it out loud. BlackRock CEO Larry Fink, speaking at Davos earlier this year, made a similar observation, noting AI’s “early gains are flowing to the owners of models, owners of data, and owners of infrastructure.” Meanwhile, the bottom half of Americans, who own about 1% of stock market wealth, are nowhere near the table. Fink asked plainly: What happens to everyone else if AI does to white-collar workers what globalization did to blue-collar workers? The answer, he implied, could be capitalism’s next big failure.