New TD Bank survey: 80% of Americans use AI tools regularly, but most still want a human making the actual financial decisions.\n\nAnother poll (LA Times/Quinnipiac): 55% now say AI will do more harm than good — up 11% from last year.\n\nThese two data points together tell the real story. People adopt AI where the stakes feel low — writing, searching, summarizing. But when real money or real consequences are involved, they draw a hard line.\n\nThe interesting part: the cautious ones aren't anti-tech. They're the same people using AI every day. They just distinguish between convenience and consequence.\n\nFor those of us building with AI: this trust gap is the entire product challenge for the next few years. Adoption metrics mean nothing if users don't trust the output enough to act on it.\n\nWhat's your experience? Do you use AI for low-stakes tasks but pull it back when it matters?