What could go wrong for me personally?

The real list, in rough order of likelihood. One: losing access to your own wallet — the classic crypto horror story. Passkey wallets have mostly fixed this, but set up account recovery on day one anyway; it's five minutes. Two: a sloppy allowance — you meant to cap your AI at twenty dollars and left it at five hundred. The fix is boring and works: start small, raise later, never the reverse. Three: your AI misunderstanding you — it buys the wrong thing or the wrong amount. Services built well escrow the money and refund automatically if nothing gets delivered, but a completed payment is final, which is exactly why the allowance exists. Four: sketchy services — the unaudited corner of any new ecosystem. Prefer places where doing nothing costs nothing and where the refund path is automatic rather than promised. What's not a realistic worry: someone forging or copying the payments themselves — that's the well-solved part of the whole design. Notice the pattern: every real risk on the list is a settings problem or a counterparty problem, not a technology problem. Those you can actually manage.