A Microsoft and Columbia University coalition published seven words in April 2026 that should terrify every business owner: "Right now, nobody is obligated to give your money back." That quote wasn't hypothetical — it was a forensic diagnosis of a financial system that was never designed for software that signs contracts, places orders, and moves capital while you sleep. You've been thinking about AI risk as a technology problem. It isn't. It's a liability vacuum — and in 2026, that vacuum is actively swallowing companies whole. The gap between what autonomous agents can do and what the legal system can recover is widening faster than any regulator, insurer, or corporate legal team can close it. For most businesses, the first time they discover this gap is also the last decision they ever make. — When Target updated its Terms of Service in March  ...