It’s agents all the way down - until you have liability. At some point, it’s going to be someone’s neck on the line, and saying “the agents know” isn’t going to satisfy customers (or in a worst case, courts).
Sure it can. It's not like humans aren't already deflecting liability or moving it to insurance agencies.
> until you have liability
And are you thinking this going to start happening at some point or what?
The letters I get every other month telling me I now have free credit monitoring because of a personal info breach seems to suggest otherwise.