I've pondered the same question, I thought we'd all be bald and wearing glittery jumpsuits, sliding around in pnumatic tubes everywhere.

The AI takeover question is actually a serious one, Stephen Hawking for one has expressed concern - in some ways it's already true, banking investments are often run by huge derivitive programs delaing with billions of dollars, and when they make mistakes they can threaten the solvency of the whole system - Alan Greenspan was convicted of gold price fixing in the early 90's by the Swiss, he did it because derivitive programs had overexposed American banks to the point that if the price of gold had risen a few cents it would have wiped out every major bank in the country.

That's the kind of stuff to worry about right now, anything approaching an independently self aware AI is probobly quite a ways off, but ya never know.