Here's the reality check nobody wants to hear: the AI boom is mostly hype for a select few. Most firms chasing AI aren't actually turning it into real, sustainable profits. And that's where things get dangerous.

When the money stops flowing but the debt keeps piling up, you don't get a soft landing. You get a credit crunch. The kind that doesn't stay confined to the startup scene—it spreads to the broader financial system. Banks tighten lending. Credit dries up. Suddenly, legitimate businesses can't access capital. That's not just bad for tech; it's bad for everyone.

The economy runs on confidence, and confidence runs on actual results, not speculation. Right now, the gap between AI hype and AI profitability is widening. That gap? It's where financial instability breeds. Watch it closely.