The ordinary financial system is constrained by a lot of regulation and it won't let an AI open an account.

Good, KYC exists for a reason. Why does AI need to open an account, anyway? Just give it a debit card with a limit, not a whole new account and contract with a bank.

The limit of a debit card is the money in your account.

The bank would argue that an AI using your account on your behalf is fraud.

Those are much easier problems to solve, and surely already solved by some fintechs, than bringing cryptocurrencies to the minimum legal compliance and meeting performance requirements.

They don't intend to meet the legal compliance requirements. That's the reason for using cryptocurrencies — avoiding compliance.

My debit card has specific limits, far less than all my funds. There also exist pre-paid cards, ideal for things like this.

How unreasonable that I can’t make my computer pretend to be a fiduciary.

Those awful regulations won’t let me say the “computer ate my homework”. Imagine.