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I really can't tell half the time on easy-to-spam forums like Reddit if I'm chatting with an AI or a human.

Any interaction that you didn’t kick off is a scam. Whether is is an AI or human is irrelevant.

That would mean any interaction I initiate is a scam for the other party

I think this easiest question for a turing test to AI: "What would you choose as a turing test for an AI?"