AI has crossed a line — it no longer only helps, it now decides. This episode traces that boundary shift from personalized health to institutional finance and consumer hardware. We unpack OpenAI’s ChatGPT Health, which links Apple Health, MyFitnessPal, Peloton and Be Well medical records into isolated, encrypted health chats that OpenAI promises not to use for model training — a move designed to trade scale for trust. Then we examine Utah’s landmark approval of Doctronic’s autonomous prescription refill system: 191 drugs covered, critical exclusions (pain meds, ADHD treatments, injectables), 99% agreement with human clinicians across 500 cases, $4 per refill pricing, and supervising physicians retaining legal responsibility — a blueprint states from Texas to Missouri are already watching. On the consumer edge, Lenovo’s Cura (Kira) pushes ambient, cross-device context into millions of PCs, bundling OpenAI/Microsoft cloud models with specialist tools like Stability AI to make assistants feel like continuous collaborators. At the institutional apex, JP Morgan’s Proxy IQ automates proxy voting across $7 trillion in assets — proof that firms now trust AI with governance-level strategy. We also explain the technical engines enabling this leap: context graphs that map relationships across people, projects and decisions, and Hugging Face’s Fine PDFs — a 3 trillion token, high‑quality dataset that unlocks expert reasoning. Practical examples show the immediate value: Claude automating Gmail-to-sheet expense tracking, and ChatGPT 5.2 turning a six‑page PT plan into a 20‑week, patient-friendly recovery grid. Finally, we confront the core question for marketers, technologists and regulators: when billion‑dollar valuations (Anthropic, OpenAI) hinge on systems that will fail sometimes, where does accountability live and who owns the cost when an AI decision goes wrong? This episode equips you to spot the risks and opportunities as AI moves from assistant to authorized actor.