Disagree on financial advisors.

I own a small-ish business and the incredible amount of hate from here surprised me - in Australia I think the stats are 4 in 5 small businesses fail within 5 years.

The amount of work to get started, grow and employ other living, breathing humans with their own life, experience and story is almost undocumentable.

When your accounting story and gambles are their current lifeblood for rent and food until they get some experience, savings, real life learnings and courage to repeat the gamble or whether they stay as a wagie blowing every pay on disposables doesn't change the responsibilities.

Therefore I disagree that financial advisors will be eliminated. You always need a human to slap you when you go down the wrong rabbit hole.