Fully understandable end to end by any normal human and inspectable enough for human governance are different things. In any sane world, AGI would be built inside a human institutional environment: laws, audits, liability, safety engineering, access controls, operational constraints, etc. We do not build planes so passengers can reconstruct the turbine from scratch, but we still require them to be inspectable by the people responsible for certifying/repairing them. The right standard is not whether an average person can rebuild or fully undestand the whole machine, but whether human institutions can reliably inspect, verify and govern it. If they can’t, then the technology is not mature enough to trust.