The riskWhat an ungoverned agent gets wrong here.
A single AI agent on your own laptop already has more reach than most people realize. It can call paid APIs, run shell commands, read and write your files, open network connections, and act on whatever accounts you handed it a key for. You built it to be helpful, so you gave it access. The problem is that nothing sits between the agent's next decision and your real money, your real files, and your real credentials. A loop, a bad prompt, or an unexpected chain of tool calls, and the agent does something at machine speed that you would never have approved by hand. Governance is what turns an agent you hope behaves into one you can bound, watch, and stop.