The Budget Cap That Fires After the Action Already Shipped
A single power user burns through your monthly token budget by 9am on day three. The kill-switch fires correctly — the gateway returns 429, the model calls stop, the bill flatlines. Meanwhile the agent has already booked the flight, sent the email confirmation, and closed the support ticket as resolved. The dashboard says "spend halted." The user says "why did you charge me for a trip I never asked for." Both are right. The budget cap stopped the model from thinking. It did not stop the world from changing.
This is the failure mode that almost every agent budget guardrail ships with: the cap is a signal in the spend plane, but the damage lives in the action plane, and the two planes were wired up with no shared transaction boundary. Telling the model to stop is not the same as telling the world to undo what the model just did.
