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“As the experience in the early 2020s showed, excessive stimulus can ultimately lead to surging inflation and interest rates, particularly if supply is constrained,” it said. And if the next crisis is itself triggered by high debt—through a collapse in Treasury market confidence, a currency crisis, or a spiral of inflation—piling on more borrowing could actively backfire.

The economic consequences of war with Iran

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Platforms like Cleo, for example, have pushed the AI financial assistant from passive analysis into active intervention. With its Autopilot feature, the system can detect unusual spending, shifts in income, or other changes. When it finds an issue, it can automatically move money into savings to protect it, issue cash advances to prevent overdraft fees, and dynamically adjust your long-term financial roadmap — all without requiring a manual prompt.

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吴鹏,独立研究员,专注于数据分析与市场趋势研究,多篇文章获得业内好评。

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