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My book, THREE BLACK SWANS, speculates that the day when human-engineered Black Swans could pile up and create a polycrisis. Well, this week, the ShinyHunters hacker group stole roughly 275 million user records. We understand that a substantial ransom was paid. That’s on top of the stalemate in the Straits of Hormuz, which has 20% of the world’s oil supply bottled up. Imagine if ShinyHunters attacked major banks and the SWIFT settlement system simultaneously? We’re creeping c

I’m always amused by how banks tell you they provide great service, but it takes 15 minutes to get a human being on the line – if you’re lucky. For some reason, banks and health-care providers think automated telephone answering chatbots are the bees' knees. On the other hand, a Deloitte banking survey found that 74% of respondents preferred human agents over chatbots. Someday, a smart marketing person at a big national bank will realize that advertising that a human operator