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The sane way to do this (if you wanted to) would be to give the AI a debit card with a small balance to work with. If funds get stolen, you know exactly what the maximum damage is. And if you can't afford that damage, then you wouldn't have been able to afford that card to begin with.

But since people can cancel transactions with a credit card, that's what people are going to do, and it will be a huge mess every time.

It's not like a credit card is all that different from a debit card in terms of cancellations. If this becomes a big enough problem, I would imagine that card issuers will simply stop accepting "my agent did it" as an excuse in chargeback requests.

Most online merchants have you verify a payment on your phone, too. Maybe you can even activate it with your bank to ask your every time.

I'm amazed that I had to scroll this far to find a comment on this. Then again, I don't live in the US.

Their target demographic was already born into the matrix and they don't even know it's there; it will hardly be a problem for them.