The two AI finance conversations happening simultaneously are not separated by sophistication — they are separated by what is being sold to whom. Professional traders debating whether Bloomberg's AI chat tool produces reliable backtesting code and retail investors evaluating a copy-trading bot claiming a 91% win rate are both engaged with AI finance. The tools they are being offered are not versions of the same thing at different price points. They are different products serving different business models: one extracts value from markets, the other extracts value from…