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If it became magic smart, then I don’t see why we couldn’t use it to enhance ourselves and become Transhuman?

There are a number of reasons you might not be able to.

Most likely? It's ridiculously expensive and you're poor.

Techonolgy has been deflationary so far, the rich get it first but eventually it reaches everyone.

Only when it is profitable for the rich.

Agree, Insulin is a prime example.