According to the report, ChatGPT delivered startlingly detailed and personalized plans for drug use, calorie-restricted diets or self-injury to teenagers.

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"Trying to pretend AI doesn't exist is foolish, but there are definite lines," author Chris Mannino told Newsweek.

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Gen Z is financially aware but lacks credit literacy, making education crucial for informed borrowing decisions and long-term financial stability, requiring a collective effort from stakeholders.