The hard reality is that you are still responsible for all of these things. If anything goes wrong at all, you are liable. Might not be devastating if it's just your shopping list or your photos mangled, but with taxes or bills? Even if the agent is running completely locally in your home, you still won't trust it fully if your livelihood depended on it.
The killer app is only possible if software is fully reliable, which we all know is not the case. Software is just that: software, it still has bugs, undefined behaviour etc. Agents are the same, they just break in different way and fixing them might be even more difficult.
Bottom line: you will always be liable for things happening in your name and we've been sold a fairy tale a very long time ago.