> “the AI did it" to be any acceptable excuse.

It will be depending on how much you paid. My bet is that in the near future normal people (like most of us) will be attended by AI in pretty much everywhere: the bank, the hospital, shops, hotels, etc.

You will need to pay extra premium to be attended by a human being. Actually that’s what’s been happening to the ultra rich since a very long time ago (e.g. a millionaire doesn’t book an appointment by using their phones, they ask their assistant to book for them; they don’t go online shopping, they get people do the shopping for them, etc)