How much should you tell your AI agent?

Agentic AI assistants improve linearly with data access, forcing users to trade convenience for growing exposure of financial and personal information.

• Three agent archetypes compared: Meta's Muse (standalone messaging app), OpenAI's Dots (feature inside a broader AI ecosystem), and Instinct (runs inside iMessage/texting) represent distinct UX bets on where AI agents should live.
• Instinct feels least intrusive: Allison Johnson found it most useful day-to-day because it hides all infrastructure, but it breaks on Cloudflare human-verification checks when its browser gets stuck.

Themes, sentiment and reasons are AI-written paraphrases, checked so they never quote an episode. They may contain errors. Not investment advice. Episodes remain the property of their creators.