The key to non-disruptive LLM integration is using it in a purely additive way, supplementing a feature with functionality that couldn't be done before rather than replacing an existing part. Like adding ai generated images to accompany the dwarf fortress artifact descriptions. It could completely togglable and doesn't disrupt any existing mechanics, but would provide value to those that don't mind the slop.
There is, it's called a narrow bank and it would probably pay more interest than normal banks. Unfortunately they have been mostly outlawed thanks to lobbying by the banking industry(see also the current lawsuits about usd stablecoins paying yield).
A crash in the stock market doesn't necessarily mean a crash in the real market, The AI bubble burst being dot com style vs a gfc debacle depends on how much critical financial infrastructure is at risk during the debt deleveraging. If you look at the gdp growth during those two periods, the dot com era was a mild stagnation compared to the gfc's actual gdp decline.
If you talk to someone you know, they'll hold it against you for the rest of your life. If you talk to an LLM(ideally locally hosted) the information dies with the conversation context.
It's a massive red flag if the company is using it to inflate their revenue, or using debt based tools. Stock swap based vendor financing is a bit less red since nvidia/amd could get their investment back by unloading openai stock on other investors instead of waiting for their cashflows to ramp up.