Nobody Signs for the Loss: Every Layer of the Agent Stack Has Written the Risk to the Customer

The promise of AI agents is that they do the work for you. The reality is that they do the risk for you. When something goes wrong, the industry has built a system where nobody signs for the loss. The liability perimeter has moved. It is now sitting squarely on your desk. Look at the foundation of the stack. StepFun Open Platform Terms Section 8 sets a clear tone. They cap their liability at 100 dollars. They also demand broad customer indemnity and provide their services on an AS IS basis. If the model fails, you are the one holding the bill. This shift moves up to the institutions that hold your money.

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