I trust that my colleagues are not going to do stupid things with their accounts, I cannot say the same for agents, and making their own accounts that you’re still responsible for seems like you’ve just moved the problem rather than actually resolving it, since ultimately, you’re still responsible for their actions.

Work environments usually already have strict controls on financial accounts for very obvious reasons. This does result in stupid "why do I need director approval to buy a stapler?" stories, but the alternative risks all sorts of internal and external frauds.

(a notable achievement of SaaS and now AI has been to totally circumvent spending controls. You might not be able to spend $10 on a USB cable without a purchase order, but you can run up an AI bill of arbitrary size and in some places are encouraged to!)

when my colleagues do something illegal or negligent they are personally on the hook for it. Who is on the hook when my bot does that?