Institutional AI finance and retail AI finance are not in conversation with each other — they are running separate shows under the same banner. Goldman Sachs has spent the past several months publicly quantifying the gap between AI's market premium and its economic delivery, with its research noting that FOMO has proven a stronger incentive than poor stock performance as the core explanation for why the premium persists. That framing makes the retail scam cluster's timing almost elegant: coordinated Twitter accounts pushing AI stock tips flooded the same hashtags on…