Make a marketplace for targeted discounts to incentivize changed behavior.
Many companies that sell consumables are happy to give a first sample free in hopes of repeat purchasing.
If I ask AI for a good lavender scented hand soap refill, it should have a fiduciary duty to give me the best economic choice for me. HOWEVER, AI could solicit discounts from this marketplace platform at the point the AI is making the decision: a new layer above and around Amazon and Walmart and every other established player. Hand soap manufacturers can compete with deals like "people who order hand soap at least twice a year can get 60% off their first purchase" and pay a commission to the AI platform for facilitating the discount. Users can trust the AI with their data because of the fiduciary responsibility and so become willing participants in keeping it accurate because it increases the ability of the AI to serve them.
This generally means you get what the provider can prove seems like the most sensible choice to a regulator, which would mean not being an AI because you can't show how that algorithm works.