Business
Generative A.I. Made All My Decisions for a Week. Here's What Happened.

Relief From Decision Fatigue
Decisions I would normally agonize over, like travel logistics or whether to scuttle dinner plans because my mother-in-law wants to visit, A.I. took care of in seconds.
And it made good decisions, such as advising me to be nice to my mother-in-law and accept her offer to cook for us.
I’d been wanting to repaint my home office for more than a year, but couldn’t choose a color, so I provided a photo of the room to the chatbots, as well as to an A.I. remodeling app. “Taupe” was their top suggestion, followed by sage and terra cotta.
In the Lowe’s paint section, confronted with every conceivable hue of sage, I took a photo, asked ChatGPT to pick for me and then bought five different samples.
I painted a stripe of each on my wall and took a selfie with them — this would be my Zoom background after all — for ChatGPT to analyze. It picked Secluded Woods, a charming name it had hallucinated for a paint that was actually called Brisk Olive. (Generative A.I. systems occasionally produce inaccuracies that the tech industry has deemed “hallucinations.”)
I was relieved it didn’t choose the most boring shade, but when I shared this story with Ms. Jang at OpenAI, she looked mildly horrified. She compared my consulting her company’s software to asking a “random stranger down the road.”
She offered some advice for interacting with Spark. “I would treat it like a second opinion,” she said. “And ask why. Tell it to give a justification and see if you agree with it.”
(I had also consulted my husband, who chose the same color.)
While I was content with my office’s new look, what really pleased me was having finally made the change. This was one of the greatest benefits of the week: relief from decision paralysis.
Just as we’ve outsourced our sense of direction to mapping apps, and our ability to recall facts to search engines, this explosion of A.I. assistants might tempt us to hand over more of our decisions to machines.
Judith Donath, a faculty fellow at Harvard’s Berkman Klein Center, who studies our relationship with technology, said constant decision making could be a “drag.” But she didn’t think that using A.I. was much better than flipping a coin or throwing dice, even if these chatbots do have the world’s wisdom baked inside.
“You have no idea what the source is,” she said. “At some point there was a human source for the ideas there. But it’s been turned into chum.”
The information in all the A.I. tools I used had human creators whose work had been harvested without their consent. (As a result, the makers of the tools are the subject of lawsuits, including one filed by The New York Times against OpenAI and Microsoft, for copyright infringement.)
There are also outsiders seeking to manipulate the systems’ answers; the search optimization specialists who developed sneaky techniques to appear at the top of Google’s rankings now want to influence what chatbots say. And research shows it’s possible.
Ms. Donath worries we could get too dependent on these systems, particularly if they interact with us like human beings, with voices, making it easy to forget there are profit-seeking entities behind them.
“It starts to replace the need to have friends,” she said. “If you have a little companion that’s always there, always answers, never says the wrong thing, is always on your side.”

Business
Epic Games says Apple blocked 'Fortnite' in U.S. app store
Epic Games on Friday said that its popular game “Fortnite” will be offline on Apple devices because the iPhone maker blocked its recent app update.
The dispute comes just weeks after Epic Games and other app developers cheered a judge’s ruling that limited the commissions that Apple makes through third party apps distributed through its app store.
Apple received a scathing rebuke from U.S. District Judge Yvonne Gonzalez Rogers, who sided with Epic Games, which alleged that the Cupertino, Calif., tech giant ran afoul of an order she issued in 2021 after finding the company engaged in anticompetitive behavior.
Under the ruling, Apple can’t collect commissions on purchases U.S. customers make through links inside iPhone apps that direct them to outside websites. Developers, which make money by selling digital goods and services via their apps and games, want to avoid giving Apple a cut of their revenue by sending customers to other websites.
“That [Apple] thought this court would tolerate such insubordination was a gross miscalculation,” the judge wrote in her ruling.
Many developers applauded the court’s ruling, which limits what they call the Apple tax, and said they would pass on the savings to customers.
Epic Games’ Chief Executive Tim Sweeney earlier this month said “Fornite” would return to the App Store in the U.S. and possibly worldwide if Apple extends “the court’s friction free, Apple tax-free framework” globally. But on Friday, the “Fortnite” X account said that Apple blocked its submission.
“Now, sadly, Fortnite on iOS will be offline worldwide until Apple unblocks it,” the account posted. Epic Games did not return requests for further comment.
Apple said on Friday that it asked that “Epic Sweden resubmit the app update without including the U.S. storefront of the App Store so as not to impact Fortnite in other geographies.”
“We did not take any action to remove the live version of Fortnite from alternative distribution marketplaces,” Apple said in a statement.
Rob Enderle, principal analyst with advisory services firm Enderle Group, said the recent ruling applies to the U.S. and Apple wants to retain the rest of its control worldwide. Apple makes significant money through apps.
“Apple is using their … strength to prevent ‘Fortnite’ from benefiting globally from their core win,” Enderle said.
Epic Games filed its lawsuit against Apple in 2020. “Fornite” generates revenue by letting people buy digital goods, such as “skins,” in the game, and Epic wanted to let users buy items outside the Apple system to avoid the company’s commission.
While the judge ruled that Apple did not have a monopoly in the mobile gaming market, the court ordered Apple to let app developers put links in its apps so customers could make outside purchases and bypass the company’s commission fee. Apple, however, defied the order, the court said.
Apple limited the ways that developers could communicate with its customers about out-of-app purchases and used wording that discouraged users from clicking on those links, the judge wrote. Apple would charge a commission fee for any goods or services purchased within seven days of a consumer clicking on a link that took them out of the app, the ruling said.
Apple is appealing the ruling and has said it strongly disagreed with the judge’s decision.
Business
Consumers Show Signs of Strain Amid Trump's Tariff Rollout

The U.S. consumer has seemed unstoppable in recent years, spending throughout soaring inflation and the highest borrowing costs in decades. That resilience helped to keep at bay a recession that many thought inevitable after the pandemic.
Consumer spending has fueled the economy
Year-over-year percentage change in retail and food service sales
President Trump’s tariffs and their scattershot rollout have once again raised concerns that the United States may soon face an economic downturn. While the odds of an outright recession have fallen as the highest levies have been paused, there are reasons to be worried about the ability of consumers to continue to prop up growth.
Consumer spending accounts for more than two-thirds of U.S. economic activity, meaning a sharp enough pullback could cause significant damage.
For now, consumers are still spending, although more slowly than in the past. Their attitudes about the economic outlook have soured in recent months in anticipation of elevated prices, slower growth and higher unemployment. Americans have also become choosier about how they spend their money. Leisure and business travel has declined. People are buying fewer snacks and eating out less as they look to cut costs. They are even doing fewer loads of laundry to save money.
“The economy is really vulnerable to anything that could go wrong, and clearly there’s a lot that could go wrong,” said Mark Zandi, chief economist of Moody’s Analytics.
It is not yet clear if the slowdown simply reflects distortions related to stockpiling before Mr. Trump’s trade war starts to really bite, or if it is an early sign of a full-blown retreat.
Part of what has enabled consumers to spend so freely up until this point is a stockpile of savings that they accrued as a result of government stimulus during the pandemic and a booming stock market. Those savings have now largely been tapped out.
“The cushion that was there during the pandemic to weather the storm of higher prices is not there now,” Diane Swonk, the chief economist at KPMG, said. The highest-earning 10 percent of Americans, who drive the bulk of consumer spending, are still in good shape, but it’s the bottom 90 percent that worry her most.
Those households are under increased financial stress.
The share of outstanding credit card debt that is 90 days or more past due started increasing in 2023 and has continued to rise across geographies and income levels, according to data through the first quarter of this year released Tuesday by the New York Fed and research by the St. Louis Fed. The trend has become particularly pronounced for poorer households.
Credit card delinquency is high
Percentage of credit card debt that is 90 days or more past due
And real-time credit reports from Experian, one of the three major U.S. credit rating firms, suggest the pace accelerated in April.
Americans are struggling with other kinds of payments, too. The overall delinquency rate, which includes all loan types, reached its highest level since 2020 in the first quarter of this year, according to the Fed data. This was driven by student loan delinquencies, as past-due student loans once again were included in credit reports after a pandemic-era pause on federal student loan repayments.
Because they now have to pay down those balances after a five-year reprieve, consumers may increasingly have trouble servicing other kinds of loans, another strain.
What matters most, however, is the labor market. “If American consumers have money, they’re going to spend it, and the primary place they get money is through their jobs,” said Eric Winograd, an economist at the investment firm AllianceBernstein.
Businesses are still hiring, layoffs are low and the unemployment rate has stabilized at a historically low level of around 4 percent. But the labor market is noticeably less robust than it was in the aftermath of the pandemic, a period that was marked by booming hiring, soaring wages and acute worker shortages.
“Nothing emboldens consumers quite like a strong labor market, and we don’t have that anymore,” said Tom Porcelli, chief U.S. economist at PGIM Fixed Income.
Companies are posting far fewer job openings and positions are no longer much more plentiful than the number of people looking for work as businesses reassess their staffing needs in an environment of slowing growth.
Jobs are no longer much more plentiful than available workers
Job openings vs. unemployment
Spending is now consistently increasing faster than income, once adjusted for inflation. This imbalance cannot last, said Neil Dutta, head of economic research at Renaissance Macro. Either incomes will need to accelerate or consumption must slow over time. “Given what we know about the job market and wage growth, it’s more likely that consumer spending slows than incomes rise,” he said.
Spending is growing faster than income
Year-over-year percentage change in real consumption vs. real income
Pay is no longer soaring for workers in the lowest-paid industries, such as leisure and hospitality, who saw their earnings increase the fastest in the initial recovery period when the job market was strong and demand for their services was high. Now, pay is rising faster in high-wage industries — as pay for lower- and mid-wage jobs stagnate.
Wage growth has slowed, particularly for workers in low-wage industries
Median year-over-year percentage change in industry-level earnings for nonmanagers
It is too early to say if the lessons of the post-pandemic period will prove applicable this time around. Consumers are clearly under heightened pressure, but it will take time to know whether they are buckling under that weight or once again muscling through.
So far, policymakers at the Federal Reserve do not appear too worried just yet and are taking their time to assess the economic impact of Mr. Trump’s policies before restarting interest rate cuts.
“The U.S. consumer never lets us down,” John Williams, president of the Federal Reserve Bank of New York, said in a recent interview.
Business
Retail theft surge in Inland Empire store prompts new policy: Leave shopping bags with the cashier
A locally owned grocery store fed up with a rise in theft in its Inland Empire community is trying to crack down on the problem by restricting the use of large personal shopping bags in the store.
On a Facebook post in April, Matthew and Allison Whitlow announced their ownership of the Grocery Outlet on East Florida Avenue in Hemet. Less than a month later, the owners noted on social media that a personal bag policy will be strictly enforced citing “an influx of theft.”
In the post, the Whitlows asked that customers leave their reusable shopping and personal bags — including anything larger than a small handbag — in the front of the grocery store with a cashier.
“While this has always been posted on our front door, we have had some take advantage and walk out of store without stopping by the register,” according to a Facebook post.
The Whitlows declined to speak with The Times about the incidents that led to their decision.
But asking customers to leave their reusable bags at the front of the store could create confusion for shoppers who are trying to follow state law and help the environment.
Since 2014, California has worked to eliminate single-use plastic bags from grocery stores and have recently taken a step further by passing legislation that would do away with the thicker plastic bags made of high-density polyethylene, or HDPE. Grocery stores have been offering the thicker HDPE bags to shoppers instead of the banned thin plastic bags.
In response, shoppers across the state have stocked up on reusuable grocery bags, made of canvas or cloth.
The new bag policy is in response to an uptick in retail theft across the state, an issue so problematic that state officials have dispatched California Highway Patrol officers to help local police get a handle on retail crime and car theft and help bolster traffic enforcement.
Gov. Gavin Newsom has sent officers to Oakland and Bakersfield, cities that have had immense issues with smash-and-grab retail crime.
Customers who leave their large bags at the front are allowed to take out and carry their smartphones and wallets while they shop.
The Whitlows are encouraging their customers to use store-provided hand baskets instead.
“With us being locally/independently owned, when theft occurs, it not only hurts us, but the community,” the post stated. “We know this is inconvenient for everyone, but we want to ensure that we have products for you all as well as not lose any so we can keep pricing affordable.”
Rather than resort to theft, the owners suggested in the post that shoppers who are struggling to make ends meet ask for help.
“Please ask for one of the owners, Matt or Allison, and we will see what we can do to help,” the post stated.
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