Re: Someone with appropraite skills manages to use 'AI' in useful way !!!
If anyone gets a chance, go read Flatline, a short story by Walter Jon Williams from 1988.
https://www.goodreads.com/book/show/1343099.Facets
Dystopian future. Hero is very smart and he is revolting against the AIs and the 2% (that's literally the number and it matches our 1%). They're gonna spike their code or something with a cyber-virus (Williams is a contemporary of Gibson, less lyrical, more tech-savvy). Humans haven't been written out of the loop. He's not oppressed, doesn't even seem really poor (short story, the world building is narrow). But he doesn't matter - the 2% top folk, to whom he repeatedly alludes, work with the AIs, everyone else seems to be on a generous universal basic income, feeling pointless. I suspect that is closer to the likely mark, under those conditions, than Banks' Culture.
Mind you, the AIs there seem a LOT more competent than our Mecha Hitler wannabes.
Do I believe we are going to end up there? Not necessarily. 1984 didn't really happen (at least not until its 2016/2024 stirrings), partially because it was written in the first place. But it served a purpose.
One worrying thing with the AI boom (besides its current unreliability) is that it is NOT matched by a commensurate gain in manufacturing / physical things capability by robots or the like. I.e. if all the customer service, white collar workers, programmers are out of a job, there is NO Star Trek / Culture handwavium to take up the slack to make things for cheap. The well paid jobs nuked, there is no Post-Scarcity mechanism to match even this story. You'll still need people to pick up garbage, till the fields... With no one with money to pay them for doing hard physical labor. What about the 2%? Could they pay that UBI? Well, look at how historically those folk have approached their 300x pay packages: all the heartwarming generosity and selflessness of a dragon sitting on a hoard of gold, angling to pickpocket a kid for his lunch money.
Snake Ouroboros, eating its tail
Maybe HG Well's Morlock / Eloi is an even better match. Hope not. We'll figure it out, eventually, and probably not by going Communist. But it need not be pretty along the way.