And it mentioned nothing...

I worked in a bank for a bit. Literally any transaction that's large and unusual for the account will be flagged. Also people do bonkers things with their money for the stupidest reasons all the time so all that one has to do if they're making large transactions is be prepared to talk to the bank and explain what's going on. Unless of course you are handling money in relation to organized crime, in which case you were fucked the moment the money touched the banking system

Yes, every application has access to everything. The only exception are those weird apps that use the universal framework or whatever that thing is called, those need to ask for permissions. But most of the apps on your PC have full access to everything. And Windows does collect and upload a lot of personal information and they could easily upload everything on your system. The same of course applies for the apps as well, they have access to everything except privileged folders (those usually don't contain your personal data, but system files).

It's clear you don't really understand the wider context and how historically hard these tasks have been. I've been doing this for a decade and the fact that these foundational models can be pretrained on unrelated things then jump that generalization gap so easily (within reason) is amazing. You just see the end result of corporate uses in the news, but this technology is used in every aspect of science and life in general (source: I do this for many important applications).

This “study” is biased by design. But also even if it weren’t , one study does not prove anything. You’d need a lot more evidence than that.

That is bullshit, the economy is created to force you into the labor market. This is just a symptom of capitalism.

I use powerpoint all the time. Impress is very far behind in terms of usability and basic functionality. But I'm hopeful it will get better as adoption increases.