AI agents won't become payment rails.

Why? Privacy.

People want control over their shopping data. Nobody's handing over their wallet + browsing history to an autonomous agent that compares prices for them.

You'd be exposing your entire financial footprint. Your spending habits. Your preferences. Everything.

That's not adoptionโ€”that's surveillance with extra steps.

The narrative that AI agents will handle payments is cope. Users will always want the final say on where their money goes.