"And it basically has to be paid for at a fair rate by you, otherwise there will always be an incentive for someone to manipulate it against you." You're right

"And it basically has to be paid for at a fair rate by you, otherwise there will always be an incentive for someone to manipulate it against you." You're right, but if it is really good at this sort of thing it's going to be difficult to incentivize anyone with more money than they can get from manipulating you. There's a crapton of money and power in this. There is also some protection in that I don't care why most of my contacts would send me a link to buy something, it's going to be out of place. An AI can match me or my wife's internal communication style but there's basically no amount of style matching it can do to make me buy cryptocurrency, or send 10 $500 gift cards somewhere. Honestly current spam already takes a decent run at it through plain ol' human evolution anyhow, and phishing/smishing already has a non-trivial hit rate. The space of such messages is already small enough that humans can blindly hit reasonably well.