Story reviewPageNF-0054

The Textbook in Disguise

Kai-Fu Lee and Chen Qiufan wrote ten stories as sugar for ten lectures on AI. The lectures have aged better than the sugar.

Quick answer

Nearfi scores AI 2041: Ten Visions for Our Future (2021) 6.6/10 as art. Ten stories from around the world, each tied to a real technology, make an unusually honest way to teach AI. As prophecy, its P(n) is 91%: Biased pricing, political deepfakes and driverless taxis are already here in early form, while the quantum thriller still waits on hardware.

At a glance
As art
6.6/10
Why it scored 6.6
  • Ten stories from around the world, each tied to a real technology, make an unusually honest way to teach AI.
  • The fiction serves the lecture, so characters turn into case studies and the plots fade beside the essays.
  • Its bet on everyday harms, from biased insurance to deepfake elections, has held up better than its bet on one big bang.
As prophecy
91% P(n)
chance its future arrives by 2046 · P50 100%

Biased pricing, political deepfakes and driverless taxis are already here in early form, while the quantum thriller still waits on hardware.

Its most pivotal predictions
  • ARRIVING Insurers set personalised premiums for a household from continuous data gathered by apps and devices, with a risk that the models learn proxies for protected traits such as caste.
  • ARRIVED Convincing synthetic audio and video of political figures is produced and used to influence voters in an election.
  • ARRIVING Fully driverless vehicles are a routine, large-scale form of urban transport, carrying paying passengers in many cities.
Every prediction, with evidence →
AI 2041: Ten Visions for Our Future: official artwork
6.6
AI 2041: Ten Visions for Our Future · Kai-Fu Lee and Chen Qiufan · 2021
Nearness
FARNEARARRIVINGARRIVED

Biased pricing, political deepfakes and driverless taxis are already here in early form, while the quantum thriller still waits on hardware.

Kai-Fu Lee has said, in public, that he thinks his predictions are probably about 80 per cent accurate. It is a brave number to print on a book. It is also a number you can check, and we've started.

AI 2041 is built like a sandwich. Chen Qiufan, a novelist who lives in Beijing and Shanghai, writes ten short stories set in 2041. After each one, Lee, a venture capitalist and former president of Google China, steps in with an essay explaining the technology the story just dramatised and where it might break. Lee has described the aim as roughly an AI textbook taught through stories. The stories run, in order, from easy ideas to harder ones, and they are scattered across the world: Mumbai, Lagos, Australia and elsewhere. Chen has said he wanted AI not to belong only to the "AI superpower" countries, and the map shows it.

That's a clever design, and a very rare one. Most near-future fiction hides its homework. This one hands it in, with footnotes.


The art: the fiction is the sugar

Be fair first. The best stories here get a lot done in a short space. "The Golden Elephant", set in Mumbai, follows a family whose life is priced by an insurer's apps. It gets at the quiet way a model can turn into a gatekeeper. It doesn't preach, and it lets the product be partly good, which is what makes it believable. "Gods Behind the Masks" puts a Lagos hacker who makes deepfakes in the odd position of being hired to out-fake an anonymous political propagandist, and Chen gives her a real crisis of conscience. One reviewer singled out its Afrofuturist atmosphere, and it earns the praise.

"Twin Sparrows", about identical twins raised with personalised AI companions, turns nature versus nurture into a question about who your education is actually for. And "Quantum Genocide", whose subjects include a Bitcoin theft, quantum computing and autonomous weapons, is the book's deliberately dark entry. Lee said he wanted it darker "so that we can wake up and see how dangerous it is." Its own essay, one reviewer felt, is more unsettling than the plot.

Now the complaint. The fiction exists to illustrate a technology, and you can feel the rails. Characters explain things to each other in ways nobody does at a kitchen table. Plots arrive on schedule, make their point and stop. Several of the stories read as case studies with a pulse, and the book's weaker moments are when you can see the lecture coming a page early. One reviewer put it neatly: the stories are more illustrative than plot-driven, and they lean on Lee's essays to hold the collection together.

The essays are the better half, which is an odd verdict on a story collection. Lee writes clearly about deep learning, deepfakes, autonomous driving, quantum computing and the future of work, and he is unusually willing to set out the risks next to the promise. If you read only the stories, you get ten small pleasures. If you read only the essays, you get a good primer. Together they work, but never as well as the format promises.


The prophecy: small harms beat big bangs

Here the book is more interesting than the usual optimist's brochure, because Chen and Lee mostly chose ordinary harms over apocalypse.

The priced family. "The Golden Elephant" imagines an insurer that tracks a household and sets premiums from the data. We aren't far from that. In 2018 John Hancock announced fitness-tracking add-ons across its life policies, with a discount of up to 15 per cent on premiums, plus a cheap Apple Watch. It was optional, and Engadget corrected an early report that said it was compulsory. But the logic is the one in the story: your behaviour is the price list. The sharper worry is that a model can learn a proxy for a protected trait without anyone telling it to, and here the real world has begun to answer. Colorado passed a law in 2021 forbidding insurers from using external data and algorithms that unfairly discriminate on protected grounds, and told regulators to write the rules line by line. The future in the story is already a legal problem.

The faked election. The Lagos story imagines political deepfakes as a trade. They have become one. Two days before Slovakia's parliamentary election in September 2023, a fabricated recording of a party leader and a journalist discussing vote rigging spread on social media. Nobody can say how much it mattered to the result, and reporting on it is careful about that. In January 2024, a fake Biden voice told New Hampshire voters to skip the primary, and the regulator fined the consultant behind it $6 million. Chen's hacker works for the good side.

The driverless city. In the book, autonomous driving is one of the technologies that arrives and becomes unremarkable. Earlier this year Waymo was giving about half a million paid rides a week across ten US cities. In July it began fully driverless service in Las Vegas, and its target is a million weekly rides by the end of 2026. It is also still being corrected. Late in 2025 Waymo filed a voluntary software recall after its cars passed stopped school buses, and the Austin school district had logged 19 such cases. That's what 2041 will look like too: arrived, and under repair.

The quantum heist. This is the one the clock hasn't caught. Breaking widely used public-key encryption needs a quantum computer far beyond anything built. A 2025 estimate from Google researcher Craig Gidney cut the requirement for cracking 2048-bit RSA to fewer than a million noisy qubits, down from the 20 million estimated in 2019, and NIST published its first post-quantum standards in 2024 so that defenders could move first. The threat is real and the date is open. Twenty years is a plausible horizon for it. It is not a safe one.

What the book misses is mostly what a 2021 publication couldn't see. It was written before chatbots became a mass consumer product, and its stories treat AI as a set of specialised systems placed in separate domains, rather than one general conversational thing that everyone talks to. That's a fair miss, and one that every AI book from 2021 shares.


The reading

AI 2041 is a better teacher than storyteller. Its stories won't be on anyone's shelf for their sentences, and the ones that stay with you do so because a real company or a real law has since wandered into them. But the book's central bet was a good one. Its authors guessed that the near future of AI would be a series of ordinary, local, billable harms, spread across the planet and not stacked up in one catastrophe. Five years on, with insurers, election fixers and robotaxi fleets all in the record, that looks right.

Lee's 80 per cent was a boast. On this evidence, it's a fairer estimate than the sceptics would like. The rest of the score is for craft, and the craft is a competent sandwich.

The prediction ledger

What it predicted, and what happened

P50 · by 2076
100%
Here now
54%
Claims
4
Next likely arrival
2032

AI 2041 bets that AI's near future is a run of ordinary, local harms rather than one big bang, and that bet is holding: behaviour-priced insurance, political deepfakes and driverless taxis all exist in early form. Its quantum-computing thriller depends on hardware that has not been built.

How this P(n) was calculated

P(n) is the chance that this work's future arrives within 20 years, by 2046. For each prediction we turn our estimate into a probability: arrived is 100%, diverged is 0%, and otherwise the low end of our 80% range counts as a 10% chance, the median year 50% and the high end 90%. Each prediction is weighted 1–5 by how pivotal it is to the story, and P(n) is the weighted average. P50 does the same by 2076. P(n), explained.

ClaimPrediction · why this weightWeightStatus · estimateBy 2046By 2076
AI2041-1Insurers set personalised premiums for a household from continuous data gathered by apps and devices, with a risk that the models learn proxies for protected traits such as caste.
Major: drives the plot and theme of 'The Golden Elephant', the book's deep-learning story.
4ARRIVING
2032 (2028–2040)
98%100%
AI2041-2Convincing synthetic audio and video of political figures is produced and used to influence voters in an election.
Major: the deepfake trade is the setting and moral dilemma of 'Gods Behind the Masks'.
4ARRIVED
arrived 2023
100%100%
AI2041-3Fully driverless vehicles are a routine, large-scale form of urban transport, carrying paying passengers in many cities.
Supporting: 'The Holy Driver' is built around autonomous driving, but its plot turns on the people training it.
3ARRIVING
2032 (2028–2040)
98%100%
AI2041-4A quantum computer breaks widely used public-key cryptography, enabling large-scale theft of cryptocurrency.
Supporting: the heist and its fallout drive 'Quantum Genocide', one of ten stories.
3NEAR
2040 (2032–2060)
62%98%
P(n) = P20 = Σ(weight × chance by 2046) ÷ Σ weight = 12.7 ÷ 14 = 91%
P50 = 13.9 ÷ 14 = 100%

Already here today (arrived 1, arriving ½, weighted): 54%.

  1. AI2041-1

    Insurers set personalised premiums for a household from continuous data gathered by apps and devices, with a risk that the models learn proxies for protected traits such as caste.

    ARRIVINGMajorEst. 2032 · range 2028–2040Confidence: medium

    Weight 4/5 · Major: drives the plot and theme of 'The Golden Elephant', the book's deep-learning story.

    Optional, behaviour-linked discounts exist: in 2018 John Hancock offered Vitality add-ons with up to 15 per cent off premiums for activity tracking. Pricing a whole family continuously, and by default, has not arrived, and regulators are moving early. Colorado's 2021 law bars insurers from using external data and algorithms that unfairly discriminate on protected grounds. We expect discounts to spread faster than mandatory tracking. 12

  2. AI2041-2

    Convincing synthetic audio and video of political figures is produced and used to influence voters in an election.

    ARRIVEDMajorArrived 2023Confidence: high

    Weight 4/5 · Major: the deepfake trade is the setting and moral dilemma of 'Gods Behind the Masks'.

    Two days before Slovakia's September 2023 election, a fabricated audio clip of a party leader and a journalist discussing vote rigging spread on social media. In January 2024, an AI-generated Biden voice told New Hampshire voters to skip their primary, and the FCC fined the consultant behind it $6 million. How much either changed an outcome is unknown. The story's counter-deepfake hacker is the part not yet on the record. 34

  3. AI2041-3

    Fully driverless vehicles are a routine, large-scale form of urban transport, carrying paying passengers in many cities.

    ARRIVINGSupportingEst. 2032 · range 2028–2040Confidence: medium

    Weight 3/5 · Supporting: 'The Holy Driver' is built around autonomous driving, but its plot turns on the people training it.

    Waymo gave about 500,000 paid rides a week earlier in 2026 and began fully driverless operations in Las Vegas in July, targeting a million weekly rides by year end. That is large but confined to a few US cities. The record also shows teething problems: in late 2025 Waymo recalled its software after vehicles passed stopped school buses. Routine and worldwide is a decade off. 56

  4. AI2041-4

    A quantum computer breaks widely used public-key cryptography, enabling large-scale theft of cryptocurrency.

    NEARSupportingEst. 2040 · range 2032–2060Confidence: low

    Weight 3/5 · Supporting: the heist and its fallout drive 'Quantum Genocide', one of ten stories.

    No quantum computer is close to the scale needed. A 2025 estimate by Craig Gidney of Google Quantum AI puts breaking 2048-bit RSA at under a million noisy qubits and under a week, against 20 million in a 2019 estimate. The estimate is theoretical. Defenders are moving: NIST finalised its first post-quantum standards in August 2024. A broken-key heist is plausible, but may be pre-empted by migration. 789

Evidence
  1. FOR John Hancock will offer fitness tracking benefits for all policies (updated). Engadget, 2018-09-20. Vitality PLUS offers up to a 15% premium discount for tracked activity. Engadget corrected an earlier claim that tracking was mandatory.
  2. AGAINST SB21-169: Protecting Consumers from Unfair Discrimination in Insurance Practices. Colorado General Assembly, 2021-07-06. Signed 6 July 2021. Bars unfairly discriminatory use of external consumer data, algorithms and predictive models, and requires insurers to disclose sources and maintain a risk framework.
  3. FOR Steve Kramer fined $6 million over Biden robocalls. WBUR, 2024-09-27. An AI-generated Biden voice urged New Hampshire voters to skip the January 2024 primary; the FCC ordered a $6 million fine.
  4. FOR How to deepfake an election (Slovakia). The Dial, 2023-10-23. Describes a faked recording shortly before the 2023 vote. The article says there is no way to gauge how much it influenced the result. Date is the week of first publication in Respekt.
  5. FOR Waymo goes fully driverless in Las Vegas, four new cities to follow. Electrek, 2026-07-08. About 500,000 paid weekly rides, over 20 million trips, and a target of a million weekly rides by end of 2026.
  6. AGAINST Waymo will recall software after its self-driving cars passed stopped school buses. OPB, 2025-12-06. NHTSA opened an investigation in October 2025; Austin's school district documented 19 incidents; Waymo said no injuries resulted.
  7. FOR How to factor 2048 bit RSA integers with less than a million noisy qubits. arXiv (Craig Gidney), 2025-05-21. Cuts the estimated qubit requirement from 20 million (2019) to under a million, running for less than a week.
  8. AGAINST NIST Releases First 3 Finalized Post-Quantum Encryption Standards. NIST, 2024-08-13. FIPS 203, 204 and 205, ready for immediate use, so systems can migrate before a capable machine exists.
  9. CONTEXT Google Researcher Lowers Quantum Bar to Crack RSA Encryption. The Quantum Insider, 2025-05-24. Reports the estimate and its caveat that the hardware does not yet exist.

Ledger updated 5 Nov 2026. Open this ledger as its own page · The P(n) Board · Method

Cover of the Currency (Penguin Random House) edition.

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