唯一的限制是法律要求的实体签名和付款，AI 无法替人完成。Stuyvenberg 最终还是亲自去经销商完成手续，但他在博客中写道：“我的体验让我觉得自己活在未来。”
The data so far largely bears this out. Immigrants contributed more than $650 billion in taxes in 2023, according to the American Immigration Council, an advocacy nonprofit. On a per capita basis, those receipts likely eclipse the contributions of non-immigrants. A recent white paper by the Cato Institute, a libertarian think tank, analyzed years’ worth of tax receipts and government expenditures between 1993 and 2023. It found that immigrants, both documented and undocumented, contributed vastly more in taxes than they received in benefits at the local, state, or federal level. In total, Cato found, immigrant taxpayers delivered $14.5 trillion in fiscal surplus over the period studied.
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另一层更致命的是责任漂移。模型输出参与决策、代理系统参与执行，过失主体更容易在供应链里移动，从部署方漂到集成商，再漂到平台与模型提供者。巴伦指出什么算AI、什么算AI使用在司法与理赔中仍存在解释空间，这会拉长争议、抬高准备金不确定性，也迫使承保条件更前置。