MoneyLog｜부동산·경제 인사이트

These days, it’s hard to get through a day without using tools like ChatGPT.
We ask it to polish reports, analyze investments, or even interpret medical test results.

But have you ever stopped to think that
a single question could put your bank balance, job, or health data at risk?

Many people assume, “It can’t be that dangerous,”
only to face voice phishing, account takeovers, workplace penalties, or insurance rejections later.

AI is undoubtedly a powerful and convenient tool.
But there is one thing you must always remember.

AI is not a friend that keeps your secrets.
Let’s take a closer look at what you should never share with AI.

Many people think,
“I’m just asking a simple question. What could go wrong?”

But AI does not forget the way humans do.
The information you enter is stored, fragmented, and recombined to generate insights.

Consider this example:

• ① One day you ask about work stress
• ② Later you talk about loans or rent payments
• ③ Another day you paste medical test results

Each question may seem harmless on its own,
but together they form a detailed profile of a single individual.

And that’s not the end of the story.

In many free AI services,
conversations may be used for training or service improvement,
and risks such as data breaches or internal misuse cannot be fully ruled out.

In other words,
an AI prompt is not a private whisper
but a digital record that can persist.

Have you ever entered personal details into an AI tool
to polish a resume or organize your schedule?

• Your name or date of birth
• Family information or location
• Job title, employment type, or work history

The danger is that each piece of information
seems harmless when shared individually.

But AI can combine these fragments
into a highly realistic digital profile of a real person.

Such profiles can be exploited for:

• ① Voice phishing and impersonation scams
• ② Identity reinforcement for burner phones or fake accounts
• ③ Highly targeted approaches that feel “too familiar”

Recently, there have even been cases where AI-generated voices
mimicked speech patterns to ask family members for money.

Personal data shared with AI
is not just a question—it can become a blueprint for fraud.

You may have asked questions like these:

• “Analyze my spending based on my account balance”
• “Does this investment portfolio fit my situation?”
• “I have a lot of loans—can you recommend a credit card?”

The issue is that these questions
directly expose the core of your financial life.

Account balances, investments, loan amounts, and housing status
are not just numbers—they form a map of your financial reality.

In many free AI services,
user inputs may be used for training or service improvement,
and full control over that data cannot be guaranteed.

If such information is combined or leaked,
it enables:

• ① Guessing your primary bank or card issuer
• ② Estimating loan limits and repayment capacity
• ③ Highly targeted financial scams that feel “personal”

Many financial fraud cases begin
with knowing how much money someone likely has—or doesn’t have.

Once you share raw financial data with AI,
you may be unintentionally making yourself a target.

When something feels wrong with our body,
we naturally want quick answers.

• “Are these test results normal?”
• “Could this be something serious?”
• “The doctor was vague—what does this really mean?”

That reaction is completely human.

However, medical and health data is among the most sensitive personal information.
In many cases, it is more valuable than financial data on the data market.

Test values, suspected conditions, medications, and family history
allow AI systems to predict long-term health risks.

Even when names are removed,
combining health data with other details can still lead to re-identification.

If such data becomes indirectly linked
to insurance risk assessment systems, it may result in:

• ① Insurance application rejections
• ② Unexpected premium increases
• ③ Exclusion of certain coverage

Sharing raw health information with AI
may ease short-term anxiety, but it can create long-term disadvantages.

To work more efficiently,
many professionals ask AI questions like these:

• “Can you polish this report?”
• “Is there any issue with this contract clause?”
• “Can you find bugs in this source code?”

These requests may seem harmless.
However, companies often see them very differently.

Reports, contracts, internal emails, and source code
are all considered corporate assets or trade secrets.

Once such materials are pasted into an external AI service,
it can be interpreted as unauthorized disclosure to a third party.

In fact, some companies have banned AI tools entirely
after incidents involving sensitive semiconductor code exposure.

This kind of action can result in:

• ① Violation of internal security policies
• ② Trade secret leakage
• ③ Disciplinary action or termination
• ④ Lawsuits for damages

Seeking convenience from AI
can end up putting your entire career at risk.

When login issues occur,
people often take these actions first:

• “Is this password secure enough?”
• “Why can’t I log into this account?”
• “I received a verification code—is this correct?”

This is the most dangerous moment.

Passwords, verification codes, and recovery keys
become plain text the moment they are entered.

Once exposed, passwords cannot be taken back,
and risks extend beyond AI services to devices, browsers, and networks.

Many users reuse the same password
across multiple services.

In such cases, a single leak can trigger

• ① Email compromise
• ② Portal site access
• ③ Shopping accounts
• ④ Banking and finance apps

through credential stuffing attacks.

Asking AI about passwords
is essentially handing your keys to a stranger.

There are no exceptions here.
Never share authentication data under any circumstances.

1. ① Check data retention and training settings
   Always review whether your conversations are stored or used for training.
   Default settings and conscious control lead to very different outcomes.
2. ② Make masking a habit, not an option
   Use placeholders like “John Doe,” “XXX dollars,” or “Company A.”
   AI can provide useful answers with context alone.
3. ③ Separate public and private information
   Never handle company data or client information in personal AI tools.
   Use only security-approved environments for work-related tasks.

AI is powerful and intelligent,
but it is not designed to protect your secrets.

The more convenient the technology becomes,
the clearer our boundaries must be.

Will you control the technology,
or become a target because of it?

The answer always begins
with what you choose to type.