

It’s not like they want to punish you for paying off your car.
The reality is that a high percentage of the population loads up on more debt after paying off current debts, so the algorithm reflects that. Usually those points come back after a couple of months.
Using AI in games isn’t about AI coding. Using AI to code games is likely already in almost every studio.
When they say AI in games that means AI artwork, voice lines, environments, etc.
i.e. imagine NPCs that change their voice lines based on recent events like recently completed missions, or your player looks/equipment/etc. With AI you don’t have to pre-record a near infinite amount of voice lines they can be generated on the fly.