But …you have to give the MCP the creds somehow. Maybe it’s via a file on disk (bad), maybe via an env var (less bad). Maybe you do it via your password CLI that you biometricly auth to, which involves a timeout of some sort for security, but that often means you can’t leave an agent unattended.

In any case, how is any of this better than a CLI? CLIs have the same access models and tradeoffs, and a persistent agent will plumb the depths of your file system and environment to find a token to do a thing if your prompt was “do a thing, use tool/mcp/cli”.

So where is this encapsulation benefit?

mcp is easy to self-host. model? a little less so.