Yes. Nothing about this needs to be modeled for adversarial agents.

The alternative is continually watching over my shoulder for some sort of scam because I have no recourse.

And agents just make it easier.

It's the AI companies' preferred solution. You're free to host your own agent that takes crypto, but the other agents you expect your agent to interact with will want you to buy non-transferable credits up front. Why would they join in on a decentralized system that doesn't benefit them?

I am not following where (in your initial message) you stated that “centralized entity that controls the payments is not good”

Are you talking about a stablecoin crypto? Because why would I buy tokens on a chain where the value of the tokens can change wildly from day to day? How do the services that accept those tokens value them and charge appropriately?

Yes, I’d rather start a bank chartered with my own rules that leverages regulation, and only use the existence of crypto as an odorous alternative when negotiating service fees with Visa.