As a loan officer, I like this policy.

We use plenty of models to calculate credit risk, but we never let the model sign the contract. An algorithm can't go to court, and it can't apologize to a bankrupt family.

"Human in the Loop" isn't just about code quality. It's about liability. If production breaks, we need to know exactly which human put their reputation on the line to merge it.

Accountability is still the one thing you can't automate.