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Comment by charliebwrites | Hacker News Reader

The missing piece for connecting an agent to your credit card or other financials is financial liability.

If Meta/OpenAI/etc would guarantee they’d compensate you in full for anything that wasn’t supposed to happen —and had an established track record of doing so— it would make trusting agents to make financial choices easier

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Assuming financial liability is an option, but because the risk profile of having an agent making purchases for a cardholder will never be zero, the companies making these guarantees will simply price the risk in to the cost of service. It’s the same basic mechanic at work with credit card reward points, the brands are all fighting each other for a share of customer debt so they slowly increase the rewards rates to one-up each other, and make up the cost on the back end by increasing merchant fees. It’s a dumb, unnecessary price war that ultimately increases the cost to the consumer and drives up the profits of the businesses providing risk/cost-burdened services.

First you would need to establish some sort of interaction. Probably with the same AI that spaffed your cash.

“ If Meta/OpenAI/etc would guarantee they’d compensate you in full for anything that wasn’t supposed to happen —and had an established track record of doing so— it would make trusting agents to make financial choices easier”

lol… talk about delusion.

I think the solution is instead to require purchases to hit a hard harness restriction, so you must click yes for money to be spent.

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