Retail investors are asking the right questions about AI and finance — and getting the wrong answers. The gap between a Reddit user asking how to operationalize AI in their trading research and the Bluesky account promising that a self-built AI "changed everything" is not a gap in sophistication. It is a gap in available infrastructure. The earnest question about tools — Bloomberg's chat interface, pandas code, n8n — has no well-resourced institutional answer in the channels where retail investors actually look. That absence is what influencer content…