Doesn't read like it's AI-written to me.

there's plenty of tells, e.g. "how to actually bank the part that is real" — AI tends to just "throw words out there" with very little information density

you COULD create a writer/reviewer loop hook to catch and rewrite sentences like this, but almost no one does

the result is usually very long essays that say very little (kind of like in grade school where we're graded on "length" so we just add words as filler)

I'm 50:50 on it. It's either AI written or written by someone who writes like an LLM does.