New Delhi, Oct. 9 -- Everyone wants an AI tool that can help grow their money. But what if it quietly ruins it, without you even realising it? Let's set the scene.

Suppose you have linked your salary account to a "smart" budgeting app. You have also allowed a robo-advisor to invest your savings. And you have given your digital wealth manager permission to "optimise" your portfolio.

Then one day, you log in and something feels off. Your emergency fund has been pushed into a "high-yield" product you don't remember approving. Your credit score has mysteriously dropped 60 points. And your "AI assistant" insists that everything is fine.

That's when it hits you; you've been outsmarted by your own algorithm.

AI runs on data. But here's the t...