Humans will not win in court with a "but the agent did it, I had no idea" argument. Just look at how the cases against OAI are going, and that's where families lose a loved one. There's not going to be any sympathy when your agent committed fraud on your behalf.

And it's not like pro agent companies have a reason to self regulate. They're not going to absorb that liability voluntarily, they'll push it onto users contractually (most of them already do). This is just another channel to bring in customers. They will capitalize ruthlessly to increase their bottom line.