The personnel also need to take the fall when the AI does it wrong. A judge isn't going to jail Claude, they are going to jail the sucker who unknowingly authorized the fraud.
Will Anthropic externalize the risk, selling access to agents? Or will internalize the risk and liability, selling financial services? Maybe both? I guess lots of companies want both, doing some things internally and keeping other things at arms length by outsourcing to 3rd party accountants.
Managing risk is a negotiation across parties, not just ponying up the cash. Personnel completes steps that are still physical requirements, usually by law. I think those are two things Anthropic isn't going to want to get into anytime soon.
Yes they can? They have infinite more cash to pay off any risk. What do you need personnel for besides sign off if the AI does it right?