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It is extremely cost prohibitive. Superconductors are what is standing in the way of quantum computing being a threat to average people. We arenโ€™t even in the AI paradigm yet. Ai is just a parrot that needs to be trained to say what it says and is usually very inaccurate. At best it is a tool for social manipulation for people in a certain income demographic. At worst it is just digital slop. Ai is no where near sentient from my experience. Quantum could be a long way down the road, Where currency is so devalued that trillions of dollars to run attacks on individuals is just a drop in the bucket. 10 trillion dollars today is still enough to cause a serious economic downturn.
Quantum computing won't matter in the 2020s, but it will take damn near a decade to quantum proof the network. I figure if we wait until it's clear that a cryptographically relevant quantum computer is less than 5 years away, we're pretty screwed. Better to start preparing too early than too late.