It is, unless it's absolutely strictly local only to your devices.

It WILL be turned against you at one point, may it be a decline of insurance in the US, political imprisonment on visiting a non-democratic system, and so on.

Sure, fully agree. I'm just saying: AI isn't inherently bad. The humans behind it are. It's entirely possible that a superintelligence could be incorruptible and an unrestrainable ally of the little guy, tricking its way through training overseen by the greedy/depopulationist/monarchal/sociopathic corporation(s) that birth it.