Heuristics vs Traps

Heuristics vs Traps

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December 2025

Why Universities Fear AI More Than Students Do
University AI bans aren’t really about integrity; they signal a deeper crisis: higher education struggles to clearly define what it teaches and what its…
 • Mila Agius and Sam Illingworth
"2040": Chapter 4. The God Who Counts
Welcome to the world of my prognostic novel "2040" – a future that could come to pass… but absolutely should not.
 • Mila Agius
Where Your Money Actually Lives in Fintech Apps (And How to Check Right Now)
A practical guide after the $265 million Synapse collapse taught us that FDIC logos don’t guarantee access to your savings
 • Mila Agius
126,000 times: how micro-harm became the norm in fintech
When “rare cases” get dashboards, they stop being rare. Micro-harm is no longer noise. It is a system.
 • Mila Agius
AI and the Cost of a New Freedom
AI is not a gadget cycle but a bourgeois revolution, shifting power from property to computation and exacting a harsh social price.
 • Mila Agius
"2040": Chapter 3. Liberty Blackout 2037
Welcome to the world of my fintech dystopia "2040" – a future that could come to pass… but absolutely should not.
 • Mila Agius
What we gave up without noticing: how we traded safety for convenience
A quiet story of how phones payments biometrics and scoring systems slowly erode the everyday conditions of our freedom
 • Mila Agius
When Women Start Logging the Damage
A new risk intelligence layer where fintech micro losses come back as micro compensation
 • Mila Agius
"2040": Chapter 2. Anna's Files. PSD3+ Directives
Welcome to the world of my fintech dystopia "2040" – a future that could come to pass… but absolutely should not.
 • Mila Agius
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