With the AI you could have a great reward of an easy, nigh-completely orderly life (although, idk, that does sound kind of boring when I properly think about it, i.e. no risk of dying, failing... meh) with the great risk that it could all go terribly wrong and it would exterminate or subjugate humanity and turn it into a dictatorship or even something else. When you don't have a system like that, there's also a great reward of the possibility of achieving a state of high maturity as a race without risking your freedom to an AI, but there is the different risk of humanity getting exterminated by itself instead of the AI 🤷♂️ I mean, in the end it's all a game we partake in, you could imagine it quite literally as a video game or movie, basically some kind of story (and if you believe in free will, it would be an interactive story, i.e. a game, if not, then it would be non-interactive, i.e. a movie. At least that's how I view life. Or rather it's a simplification and analogy of my mindset.