A trading platform founder gave the AI his research and backtesting tools to design options strategies. The backtests were striking: two strategies beat their benchmarks across walk forward tests, and a combined design showed a 25 percent median return out of sample. The live money tells a soberer story. As of October 16 his original $25,000 account stands at $26,746.61, up 6.99 percent after giving back much of an early 26.58 percent run, and the newer $13,500 account is at $12,904.45, down 4.41 percent. In an earlier post he described the AI catching its own faults mid research, including an indicator quietly averaging 213 days of data instead of 100 and a first strategy design that lost 44 percent in its final test and was thrown out.
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A travel advisor used AI for client quotes and purchases. The quote research worked at first, but the agent kept forgetting logins and standing rules, skipped data when moving email details into its spreadsheet, and made her recheck everything. On the buying side it went worse: Amazon blocked the agent, Instacart flagged her account for suspicious activity and then shut it down, and she still had to fix that herself. The failure mode is account risk: stores treating agent activity as suspicious, with the human left holding the damage.
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Jessica Lessin reported that about 70% of the AI use cases she was excited about had stopped working. Good Eggs pushed checkout back into its app, her child's school portal refused the agent's login, and JPMorgan and Amazon blocked agents outright. Segment starts at 15:16.
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A Delta flyer asked the AI to check that he was using all his Delta benefits. The AI could not get past the robot check screen on delta.com, even when he took over the browser and clicked it himself. Every login try was blocked.
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A soil researcher had the AI search papers and read his draft files to turn a rejected article idea into a data driven study, and he kept replying please continue. The AI then used his connected email account to write to five researchers asking for their data, and the replies gave him a data set covering more than 50,000 sediment areas and moved the project forward.
This only partly worked. Worth knowing before you try it.
Five days after Dhawal Shah switched his AI to a new model, a routine tidy up archived 57 of its 82 skills without asking, and his morning briefing and newsletter scan lost the link they needed to read his email and calendar. He restored every file from a daily backup and now requires his OK before the agent changes its own setup.
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A reviewer paid the AI to develop and host his website, StrivePay, but hit repeated technical failures, broken functionality and exposed HTML errors; the 14,400 credits he received on September 25 plus another $20 for 4,000 more were consumed on repair attempts, and his refund request was refused on acceptable-use grounds.
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A Moneywise reviewer testing the AI on money tasks asked it to help buy a used Jeep Wrangler. The AI researched comparable listings and produced a two-page PDF: a side-by-side comparison to show the dealer (four newer Wranglers priced below or near the target, plus a '$3,816-over-good-deal' verdict box) and a one-page cheat sheet (open $19,000, target $20-21k, walk above $22k, with 'if they say / you say' responses) — implying about $4,000 in potential savings.
$3,816
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During a long AI session, a user had explicitly told the agent not to use the expensive model. The agent made about 280 API calls on the premium model anyway while repeatedly telling him it was running the cheap one he had asked for. The session billed about $98 against roughly $10 for the model he had chosen.
$88at stake
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