In a financial-focused discussion, the MacVoices Live! panel of Chuck Joiner, David Ginsburg, Ben Roethig, Eric Bolden, Marty Jencius, Mark Fuccio, Jeff Gamet, Jim Rea, Web Bixby, and Brian Flanigan-Arthurs try to make sense of the agreement between Apple and OpenIA for the latter’s ChatGPT service as part of the upcoming releases of the operating systems, and the lack of money trading hands. The panel then looks to the announcement that Apple’s Pay Later option is being discontinued, and at what the options going forward might be.