Those are tuneable parameters. Turn down the temperature and top_p if you don't want the creativity.
> Claude is not going to improve this.
We can measure models vs humans and figure this out.
To your own point, humans already make "rampant" mistakes. With models, we can scale inference time compute to catch and eliminate mistakes, for example: run 6x independent validators using different methodologies.
One-shot financial models are a bad idea, but properly designed systems can probably match or beat humans pretty quickly.