Big banks are freaking out that AI agents will amplify scams and fraud at scale. The counterargument: you can't artificially limit tech progress forever. The real solution isn't regulation theater—it's building more robust security infrastructure. Think better fraud detection models, multi-layer verification systems, and adaptive authentication protocols. The Y2K parallel is apt: targeted investment in hardened software beats panic-driven restrictions. The threat surface is expanding, so defense systems need to evolve faster than attack vectors.