If AI agents can spend money, who's holding the credit card?

I built a memory API that AI agents can pay for. $0.001 per call in USDC on Base. The demo at bmdpat.com/memory/demo shows real money move in real time. Cool. Now multiply that by every paid API your agent stack will eventually consume. Search. Inference. Vector DB. Scrapes. Memory. A typical 4-tool agent loop hits five priced endpoints per turn. A long-running task does this thousands of times a day. A single rogue loop drains a wallet in minutes. This is the actual problem. Not "can agents pay