To add on what you said since it was the most complete answer, the first credit cards didn’t start with a magnetic chip but had raised numbering that cashiers would emboss the numbering onto a carbon copy slip. The shop would keep two copies of the receipt and the customer would keep the third.
The switch to magnetic swipe on North America took a while because it required a phone connection to verify the card number. Europe switched to chips earlier than North America in part because a lot is stores didn’t have the required phone/data connections for continuous use, so the chip was developed to be used in cases where there wasn’t any connectivity with the card reader.



There are also going to be issues with how bleeding edge AI gets sold. If the AI that can detect security exploits is real, the AI owner isn’t going to sell open access to that model.
I suspect that, if the AI is really that good for certain tasks, it won’t get sold on a token model but something more akin to human work.