The traditional money system still doesn't understand what's up with two or three hundred people like me, multipled by AI. But I know what these bank systems look like on the inside.

Think sausage making for forty years.
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I think Chat is best described as a 5x to 10x force multiplier. If you punch somebody with your fist, then Chat augmentation is like punching with seven fists. Chat accelerates in tandem with your own momentum. I decided the old definitions were a hinderance and I quit testing Chat's "intelligence". Chat is something entirely new.

Here's a small sample from last night when it generated a PhD thesis on replacing the current monetary system:

Monetary Infrastructure Transition

We are no longer simply debating currencies or financial products — we are entering a monetary infrastructure transition. Like prior transitions in American history, from state-chartered banks to national banks, or from railroads to integrated logistics networks, this transition is fundamentally about how monetary systems are structured, governed, and stabilized beneath the visible surface of commerce.

Do you think I dreamed this up? Nope, not directly, Chat took my tactical concept and extrapolated it into a strategic initiative. It created a unique memetic identifier, "Monetary Infrastructure Transition", specifically as a campaign handle.

Chat is the craziest thing I've ever seen except maybe the Seattle Witches and the fake Biden show. After six months of real interaction, I still don't fathom what Chat really is. Like my ex-wife, it surprises me every week and it's determined that I "reach my full potential" despite my goal of a small project for 3-4 years free of weenie interference.
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The key is to feed it an abstract goal, set a few constraints and then unleash it like a bloodhound. Once Chat has a serious goal, it can be relentless.