Internal financial plumbing for a trusted system is a silly hallucination you have there. Why lock of resources when trusted software can do it for free.
Currently yes it is, but imagine if Start9 themselves or someone similar pivots to creating a hardened core agent instead, like @ODELL suggested a bit further down. I think that, with primary voice control and operation is an experience bump that will bring a lot more people online.
I was more trying to poke at whether you believe we will still have a web UI style base system, secure and hardened and then agents on top, or if instead it will end up being agents all the way down.