An old Danish proverb that was repeated by Nils Bohr, physics Nobel prize laureate says (roughly), “It’s hard to make accurate predictions, especially about the future.”

Having said that, I’d risk saying that we’re likely to see increased reliance on automation, simply because business is driven by profit, and automation does away with labor costs.

Yes, I know that there are all the reasons you mentioned as to why this isn’t a good solution. However, it’s another case of the proverbial looking under the lamp for the penny that was lost in the dark bushes, simply because the lamp is where there’s light.

Good professional financial advice is expensive, so it will likely continue to be a service used almost exclusively by the wealthy. Since it’s difficult to imagine how you could reduce costs while retaining the quality, I don’t think human-based financial advice is likely to become widely available.