Real-world risks and responsible use of AI kick off the second part of our conversation with The Long Island Macintosh Users Group. The group swaps scam stories (spoofed bank calls, W-2 phishing, ransomware) and how AI can amplify fraud. Ways to mitigate exposure in an AI-powered world include cyber insurance, privacy tradeoffs in popular AI tools, copyright/IP guardrails in image generation, and careful experimentation.