Your problem is that you think we need to sell generative AI to Joe for it to be significant.
> video games
Cool. There is a very real chance that he will have more of those because they will be cheaper to make. He won’t be using the generative AIs, he will be consuming content made with them.
> my wife and I can enjoy retirement
Joe doesn’t have to worry about retirement. Someone will use a combination of these AI technologies to make his wife fall in love with a perfectly attentive, smoky voiced older guy. When this AI powered person suffers a terrible car accident on a business trip she sends a significant portion of their savings to him. When Joe finds out he immediately calls his bank. There an other AI powered agent handles his issue. It takes a while for Joe to be understood, because the agent he is interacting with is heavily biased towards trying to upsell Joe on a new mortage.
Eventually he is able to claw back some of the money, but the stress and the implied emotional infidelity ruins their mariage. He talks with the assistant of a divorce lawyer (another AI). She collects all the information from him and the lawyer (this time a real person, albeit one heavily supported by various AI systems) sends over all the paperwork. The AI of Joe’s lawyer agrees with the AI of his wife’s layer about the details and once that is done the humans sign the papers and they are divorced.
Joe still has some money left. He can rent a bungallow and maybe he can spend his retirement there, but unfortunately Joe picks up a nasty addiction to online porn. (What Joe doesn’t know that the booties he is looking at are generated exactly to his taste, as measured by his pattern of clicking on the free samples.) This is the last straw, the addiction sucks Joe’s wallet empty and he dies destitute. Many many people with generative AIs have Joe’s money now.
To his last breath Joe doesn’t really understand what this AI thing is everyone is talking about on the news.