As of the time of writing, the boss of Standard Chartered has already apologised for talking about replacing lower-value human capital with investments in AI, but I don't think that the sentiment of fear has faded, given that the DBS CEO has put it in much more politically correct terms, that even a CEO can be replaced by AI. So, there should be some kind of framework to deal with AI disruption that will, perhaps indirectly, answer the question of whether a person is indeed lower-value human capital. Do note that these days, lower-value human capital is no longer the usual suspects like blue-collar workers or support staff. Lower-value human capital can encompass lawyers, accountants, or engineers, as the value of knowledge has declined significantly, raising the question of what the point of investing so many years in tertiary education is when knowledge has become so cheap over time. So I'm going to develop a framework to address AI disruption....