Nightwell
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Unless the person is just not very bright.
But seriously, AI is really only needed in the early stages of the game, when the player is getting acquainted with it. However, during this period, the player usually doesn't know how to play very well. So, the AI level and the level of a beginner player are roughly equal. But once the player has learned how to play Heroes of Might and Magic, they won't play against the AI anymore. That's what online play is for.
But seriously, AI is really only needed in the early stages of the game, when the player is getting acquainted with it. However, during this period, the player usually doesn't know how to play very well. So, the AI level and the level of a beginner player are roughly equal. But once the player has learned how to play Heroes of Might and Magic, they won't play against the AI anymore. That's what online play is for.