What’s binary choice we are discussing here and what’s the opposite that you’d do? Approve every claim that was denied by the AI, and vice versa? Or what’s the binary choice related to stock prices you’re referring to?
For that reason error rates above 50% don't make any sense. Building a system, that is reliably wrong, is as hard as building one that is reliable correct, because the systems are the same, just with the output inverted.
The worst you can get with a system is 50%, at which point you can just flip a coin, because that is just pure random. Any deviation from that is going to be an improvement.