According to CoinMeta, as enterprises deploy AI agents, there has emerged a structural asymmetry between regulatory expectations and the reality of commercial risk management. By mid-2026, 80% of Fortune 500 companies were using AI agents, but the legal and financial infrastructure required to support this adoption remains fragmented and unable to meet related risks. On September 25, 2026, Andrew Ferguson, Chairman of FTC, rejected the defense of "autonomous actors" at a Reuters event in Austin, clearly stating that developers must be responsible for any harm caused by AI agents. California's AB Bill 316 explicitly prohibits any defense that claims AI systems are "autonomous" and thus responsible for causing harm. Meanwhile, the traditional insurance market has failed to keep up with regulatory pressures, and many commercial insurance policies have begun to explicitly exclude liability for errors made by autonomous agents and failures in multi-step decision-making. Current data shows that only 22% of corporate AI contracts contain unlimited compensation clauses, and many companies are undertaking significant operational risks without adequate coverage.