Is it Ludditism to not want to get PWNed spending $3k a month?
Yes.
All new technology has issues. Figure it out.
Especially if you're spending $3k per month on inference, have the model fix the agent.
I suppose the idea is to wait for someone else to productize it.
Lazy.
Setting it up that way is a choice a user would have to make. Just set it up on an oauth or budgeted api and not be an idiot. Setup additional guardrails in OC if you think are necessary.