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In a more optimistic case, one could imagine a future iteration of current voice assistants taking care of more complex (financial) tasks. The latter being a more speculative use case, obviously.
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I´m not sure if I understand your example correctly. Why is a smart contract necessary
for a future iteration of a current voice assistant? This seems like it could be done
without any smart contract and rather with some form of AI.
On an unrelated note, I think that a major problem with smart contracts is the fact
that all eventualities have to be put down in the code right at the beginning.
In reality contracts are constantly evolving, because of unexpected events that
weren´t specified in the contract. This seems like one of the major issues for now.