In case of driving the stakes are equally high for everyone on the road. Can we say the same for an agent?

Having an agent is like forever having a genius intern who'll almost always do the perfect job for you. But there is non-zero chance that they'll also come up with quirky solutions and execute those with confidence and no follow-ups. You don't grant the intern production access and hope they check with you.

I don't think the corporate equivalent of "dog ate my homework" flies, if the dog ate your files and your production DB if you are unlucky.