AI agents, and the question that decides whether one is useful
An AI agent is a model, a loop and a set of tools, and since the first two are close to identical everywhere, what an agent can actually do is decided almost entirely by what its tools can reach and how honestly those tools report failure.
An AI agent runs a model in a loop, letting it call tools and keep going until a job is finished rather than answering once and stopping.
Why the loop stopped being interesting
Every framework implements roughly the same thing and none of them differ much in quality. If an agent is disappointing, the loop is almost never why, and time spent choosing between frameworks is usually time not spent on the part that matters.
Access is the whole variable
An agent with a search box and a calculator can answer questions. An agent that can read a live order book, check a balance and place an order can do a job. The distance between those is not intelligence, it is access, and access is built rather than prompted for.
The failure mode nobody designs for
An agent given a tool that fails uninformatively will not stop. It will retry, adjust its arguments, retry again, and then produce a confident answer assembled from nothing. That looks like hallucination and is better understood as a tool that refused to explain itself, which makes it a fixable engineering problem rather than a model limitation.
What to give an agent instead of authority
Description rather than decision. An agent that reports what changed and flags what looks unusual is enormously useful and cannot compound a mistake. One that acts on its own conclusions multiplies whatever it got wrong, and multiplies its confidence along with it.
A boundary worth drawing before you build
Ask how long it takes to notice this agent doing the wrong thing. Seconds, and you can let it act. A day, and put a person in the loop. If the honest answer is that you would not notice, you are building something with no feedback, and nothing without feedback improves over time.
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Describe something and watch it get built.
Open the builder, or start from a working app and change it.