I never said they were intelligent. But by definition they are learning and it is not conceptually different from how we learn.

There has to be a better word for this. It reads, to me, like the employee is in the wrong.

They are already learning, but they cannot ideate. That is the distinction.

Except we know hardware backdoors are a thing.

Exactly. Anything that undermines the billionaire narrative.

Yep. KYC is to stop the movement of funds that could be used to undermine the system. A.k.a terrorism.