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May 22, 2026 AI & Work

The jobs AI is taking over look a lot like what ATMs did back in the day

In the 1970s, ATMs arrived in American banks. Everyone said the teller's job was finished: the machine counts the cash and dispenses the bills, so what's left for a person to do? And yet over the next forty years, the total number of bank tellers in the US didn't steadily decline. What the machines took over was the repetitive stuff, like counting bills. The people who stayed started doing something else instead: helping business owners sort out their finances, walking customers through loan planning, building trust one face-to-face conversation at a time. The job title was still "teller," but the actual work had turned over completely. As it turned out, the thing that eventually slashed the number of bank branches wasn't the ATM after all. It was the smartphone. People kept their eyes fixed on the ATM for decades, while the real threat quietly walked in from another direction. By the time anyone noticed, a lot of the work was already being done on a phone. That same scene is now playing out with AI. The first jobs AI takes over are the ones that look like they need expertise but are actually highly standardized: putting together reports, tracking progress, compiling data, replying to one form letter after another. Once those are cleared away, what's left is a different kind of thing, harder to hand to a machine. A chef takes one taste and knows what's a notch off. An editor watches a few seconds and feels which frame is wrong. A manager has a direction in mind before the numbers are even in. Rather than worrying about your whole job being replaced, sort out the work in front of you. Which parts can be finished by following the rules? Those will eventually be handed to AI. Which parts depend on your judgment, your feel, and dealing with people? That's where it's worth putting in more effort over the next few years. Take something you do often and ask yourself: is this counting bills, or is this planning loans? That layer of work that needs feel and judgment, AI will leave it open for you. But it won't step into it for you. The spot is sitting there empty, and you have to walk over to it yourself.