As artificial intelligence rapidly evolves into autonomous agents capable of executing real-world financial transactions, a critical legal gray area emerges regarding liability. When an autonomous AI makes a costly error—whether through a misunderstood prompt, a flawed algorithm, or a malicious cyberattack—determining who takes the financial hit remains profoundly unclear. Developers, software corporations, and everyday users are all potential targets for blame, yet current regulatory frameworks fail to provide definitive answers. This technological leap forces lawmakers, financial institutions, and legal experts to urgently redefine accountability in an era where software no longer just suggests decisions, but actively spends money.