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So, like the present

With more wealth concentrates at the top, yes.

Presumably wealth would concentrate upwards even if AI was never made.

Yes it's a function of the monetary system. Absurd amounts of debt only certain people can access.

So you're saying we need to abolish to monetary system?

Like some kind of pimple, which we can pop from all sides. And then we'll build something different. Something that works.