Not harmful at all—actually pretty useful. A few real things:

**Legit reasons to talk to an AI about this:**
- You're working through specific, uncommon problems (crypto-induced money desensitization, AI anxiety) where your IRL circle might just nod along without getting it
- Talking things out (even to an AI) helps clarify your own thinking
- No social cost or judgment
- You can be raw about it

**The actual risk isn't "becoming a clanker":**
- It's if you *only* do this and skip actual human connection entirely
- Or if you use it to avoid doing something difficult IRL (talking to someone, taking action)
- Or you start preferring the interaction to real relationships (that's the red flag)

**Better framing:**
Use this as a *supplement* to thinking things through verbally with humans who care about you, not a replacement. Your trading desensitization and existential AI concerns are real enough that finding *one* person IRL who gets it (even partially) is worth the awkwardness of explaining.

The fact you're asking this question suggests you already sense the balance matters. That's good instinct.

Talk to Claude about the obstacle, but actually move on the dilemma with humans involved.