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Two futures for AI personal assistants: 1. OpenAI stays in the “human approves world.” You still click “I approve buying this rug” because it’s “too risky… too much liability.” 2. OpenClaw “YOLO… Dark Forest” mode. “You give me money and I will do shit,” and “a rug may or may not show up at your house.” The breaking point is payments: Once agents buy things, chargebacks explode, so Visa forces “3DS… the ‘prove you’re a human being’ thing.” OpenClaw users route around it with “a stablecoin wallet" “Sometimes the AI messes up but that’s the cost of doing business." @hosseeb 🎬

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