

I thought the rebuttal to this was covered in ‘The Thirteenth Floor’. They don’t have to simulate the entire universe, and it doesn’t have to be consistent. Just the parts that the PCs are looking at.
I’m not even going to mention what tricks they can do with the rewind button.
Anyways this paper was likely written by an NPC.
You’d think the timing should reflect the typical terms of loans and loan volumes - so that sounds plausible. When the default rate of those loans begins to creep up and become notable to investors, then people will get edgy.
I just hope it comes before our much loved and overpaid layers of incompetent management have destroyed all their manual production processes and replaced them with snake oil. If not a general economic downturn might start well before the ai bubble bursts.