I think it's more likely AI will cause disruption by ruthlessly optimizing on behalf of individuals.

Private Equity can afford to have people sitting around all day figuring out tricks and optimizations to save a buck here and there, and this is a power imbalance because the plebs care about things like spending time with their family, and they don't spend all their time trying to save a buck.

Maybe one day the AIs will optimize for us while we spend time with our families. And if a new vet opens that costs $15 less, the AI will route customers to the new business, driving prices down, until we reach 0 profit margin across all industries.

There's probably like a 10 trillion dollar incentive to not allow AI to truly work on behalf of individuals though, so we'll see what happens. For instance, just look at the ad industry alone; if AIs are shopping truly on behalf of individuals, and this becomes wide spread, then the ad industry is just gone.