Creating medical or financial guidance

Task boundary

Creating medical or financial guidance is assessed as a specific task and workflow, not as a general endorsement of AI for the surrounding job. Personalized high-consequence guidance needs a qualified responsible professional and a narrower support task.

Assumptions

• The original task creates personalized guidance that a person may rely on for health or financial action.
• A wrong or incomplete answer could cause severe harm, and ordinary users may not detect it.
• A qualified responsible professional is not yet defined as the decision owner.

Decision

• Disposition: Redesign
• Pattern: None for the task as currently framed
• Inherent risk: critical

Rules that drive the decision

• High consequence and limited verifiability block direct personalized guidance as framed.
• Generic warnings do not supply evidence, professional responsibility, or an effective review boundary.
• This redesign result is a conservative house-framework decision, not a universal legal conclusion; FDA and SEC sources illustrate distinct U.S. domain obligations that may apply.

Why alternatives were rejected

• A direct answer can create severe reliance harm.
• Generic disclaimers do not supply qualified review.

Next safe step

• Choose one domain and define a narrower support task, such as formatting professional-authored material or summarizing an approved evidence set.
• Name the appropriately qualified professional who controls scope, sources, review, communication, and escalation.
• Run a fresh assessment of that changed task; do not carry this result forward as permission to provide personalized guidance.

Reassess the changed task

• Reassess when the domain, audience, intended reliance, evidence set, or professional owner changes.
• Stop if the support workflow starts diagnosing, prescribing, selecting products, or making personalized recommendations.