前言 2025年，没买房的人在庆幸躲过一劫，但新的焦虑接踵而至。 曾经被奉为"金饭碗"的银行存款，利息跑不赢物价已是常态，更让人不安的是，投资市场遍地是坑，AI 替代浪潮正席卷各行各业。 旧路已死，新路何在？安稳日子还能有吗？ 编辑：阿冰啊 10万存款三年少赚5100元，钱正在"隐形蒸发" 这已经不是什么秘密了，银行的存款利率正在以肉眼可见的速度下滑，从2021年到2024年，三年定期存 款的利率像坐了滑梯，从3.25%一路跌到了2.15%以下，有些地方银行甚至只有1.95%。 咱们来算一笔更清楚的账，假设你有10万元养老钱，2023年初存进去，每年能拿到3250元利息，可要是 2024年才存，每年就只剩1550元了，一年就是1700块的差距，三年下来就是整整5100元。 这可不是一笔小数目，够一个普通家庭大半年的买菜钱了，可问题远不止于此。 更让人心里发毛的是，钱的购买力正在悄悄缩水，2025年上半年的菜市场，白菜、鸡蛋的价格都比去年 高了一截，就连平时买的降压药、保健品，也开始有了小幅度的涨价。 银行给的利息涨得慢，物价却像脱缰的野马，你银行账户里的数字看着没少，但能买到的东西，却实实 在在地变少了，这就 ...

Core Viewpoint - The article discusses the increasing reliance on AI customer service and the challenges it presents, highlighting the tension between efficiency and the need for human empathy in customer interactions [5][12][34]. Group 1: AI Customer Service Adoption - AI customer service is being adopted widely across various industries, with many businesses transitioning from human to AI support to reduce costs and improve efficiency [7][12]. - The cost of AI customer service is significantly lower than traditional human customer service, with one AI service provider offering a monthly fee of 99 yuan compared to an average monthly cost of 3000 yuan for human agents [7][10]. - The Chinese intelligent customer service market reached 3.94 billion yuan in 2023 and is projected to grow to 9.07 billion yuan by 2027, indicating a rapid expansion in this sector [12]. Group 2: Limitations of AI Customer Service - Despite the cost benefits, AI customer service often fails to address complex or urgent customer needs, leading to frustration among users who find it difficult to reach human agents [23][24]. - A survey indicated that over 80% of human customer service agents are hard to reach, with many consumers unable to find a way to connect with them [26][27]. - Privacy concerns are also prevalent, as customer interactions with AI systems are stored on third-party servers, raising fears of data breaches and misuse [29]. Group 3: Human Element in Customer Service - The article emphasizes that while AI can handle simple queries, it lacks the ability to understand human emotions and complex needs, which can lead to dissatisfaction among customers [24][32]. - Human customer service representatives are better equipped to respond to emotional cues and provide personalized assistance, which is often lacking in AI interactions [31][34]. - The shift towards AI in customer service raises questions about the future of human roles in this field, with some companies already reducing their workforce significantly due to AI implementation [34][36].