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This paper develops a formal theory of cognitive debt, where using AI as a substitute for first-principles reasoning builds up unverified obligations that lead to systemic fragility and a cognitive Minsky moment, showing that decentralized equilibrium over-adopts substitutive AI without accounting for externalities.
This position paper argues that current AI paradigms are insufficient for addressing global systemic risks and proposes Planet-Centered AI (PCAI) as a new design philosophy that treats Earth's interconnected systems as first-class concerns.