AI Is Getting Cheaper. Human Judgment Is Getting More Valuable ft. Daniel Yoo, Finmate AI

AI isn’t magic, and pretending it is may be the biggest risk in tech right now. A former financial advisor turned AI founder argues that most AI products are already becoming commodities, with little defensible moat and wildly inflated valuations. He explains why real value comes not from “agentic” hype, but from deep domain expertise, careful guardrails, and knowing what not to automate. In regulated industries like finance, trust, liability, and human judgment still matter more than raw intelligence. The conversation cuts through bubble thinking, warning that many AI startups won’t survive once capital dries up. In the end, AI raises the floor of expertise—but the ceiling still belongs to humans who can synthesize, decide, and take responsibility.https://finmate.ai/