Contemporary socio-economic systems are undergoing profound change under the influence of artificial intelligence (AI), which has become a key driver of innovation in governance, communication, and digital solutions. However, the same progress is heightening risks to psychological and financial security as sophisticated AI-powered manipulation (especially through widely used neural networks) takes hold. This reality demands a personal transformation that allows individuals to adapt deliberately and effectively to conditions shaped by disruptive technology, and it highlights the need to study coping strategies that help people withstand AI-related threats. The research aims to examine how individuals respond to AI-driven threats to their financial and psychological well-being. Fifty-nine participants were involved; the research followed a subject-existential approach, using empirical methods (surveys and interviews), theoretical analysis, statistical tools (correlation analysis), and specialized psychodiagnostic techniques. The investigation revealed key mechanisms by which people perceive digital risks and identified effective coping strategies for defending against manipulative influences. It also analyzed how often participants encountered AI-based fraud and their emotional responses to such events. This research is original in its subject-existential perspective on overcoming AI-generated threats and the mechanisms that foster personal adaptation to increasingly complex fraudulent tactics. The findings have practical significance: they can inform programs to enhance digital literacy, psychological safety, and legal protection for citizens amid the technological transformation of socio-economic systems.