Business leaders are investing billions in "AI" without understanding a critical distinction: the difference between a Co-Pilot and an Autopilot. One augments your current business model, making it more efficient. The other makes it obsolete by replacing the human decision-maker entirely. This article cuts through the hype to provide a clear, actionable framework for leaders , arguing that preparing for a Co-Pilot when an Autopilot like the Algorithmic Shopper is coming is a potentially fatal strategic error.