Over the past year, the available tools, necessary skills, and underlying infrastructure for agentic transactions have seen remarkable advancements. Thanks to this incredible progress, autonomous financial actors are not merely a future concept but a present reality, with numerous active examples already operating out in the open market. There is no denying that these automated entities act as exceptionally potent financial instruments. All of this naturally raises an intriguing question. If they are so capable and accessible, why does every single person not yet have their own personal money agent?