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Your AI agent can’t book a Delta flight, touch your Chase account or shop on Amazon and the reason has nothing to do with AI….

Repartage — contenu de Amir Kabir 🤓

Your AI agent can’t book a Delta flight, touch your Chase account or shop on Amazon and the reason has nothing to do with AI….

Delta says it has no partnership that lets a third-party agent book its flights. Jamie Dimon told analysts JPMorgan won’t let “just any outside agent” inside the bank. Schwab is actively blocking unauthorized agents that log in for clients. Yelp won’t serve agents unless their operator pays for its data. Amazon cut off Meta’s Muse, and users report Grok Bot failing there too.

An here’s the reason…most of today’s agents log in with your password, click through a site built for humans and never say who they are. To a bank, that looks exactly like an attacker holding the same login. The internet isn’t rejecting AI and it’s rejecting anonymous agents acting on borrowed credentials.

Schwab CEO Rick Wurster put the real problem in one sentence: “We can’t control it, the client can’t control it, something could go wrong and who’s liable?” Dimon called it “the liability transfer.” That’s the question we’ve been asking in The Weekly Dose of Risk all year. In The Trust Layer we argued the most valuable question in enterprise AI is who did this, and on whose authority. In Identity Is the New Perimeter we wrote that every agent needs its own identity, not a borrowed human one. In The Machine Risk Economy we argued that code which can’t be priced can’t scale. These blocks are what that looks like in the real world.

Now look at what the blockers are building instead. Schwab is opening its own MCP servers with its own authentication, where agents can read, a pilot group can trade, and no outside agent can move money. Amazon says agents should operate openly and identify themselves. Meta covers Muse purchases with Stripe Link’s purchase protection. Identity, scoped permissions and insurance are showing up as product requirements. Satya Nadella called it separating the intelligence from the authority over it.

The open web was built on the assumption that a human was on the other side. The agentic web needs a way to prove who the agent is, what it’s allowed to do, and who pays when it gets it wrong. Whoever builds that layer turns every one of these closed doors into a toll gate.

Is your agent strategy on the right side of that gate?

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