> When an agent spends money or creates liability, who's responsible?

Whoever is operating it (as in, you or the entity providing you the service if you're using someone else's thing). If I operate a coffee machine accessible to others and it injures someone, I'm on the hook; the same logic applies to an agent. At the end of the day, LLMs are tools, and whoever is overseeing it is vouching for it (and paying the price if it misbehaves).

> Personal accounts are risky and manual LLCs don't really scale?

When it comes to personal accounts, I assume you're talking about use cases like "I use an agent in my personal capacity to do things and it made a mistake". This sounds like you're shouldering the risk and accept the potential consequences. That's just a case of "I did something risky, and found out".

As for the manual LLC bit, I'm assuming you are thinking about an agent as part of a business. In that case, whoever is operating the business is on the hook.

The idea that agents should be legal entities just sounds like an attempt at shifting blame away for doing risky things knowingly.