A refund the agent is not allowed to issue alone
A consumer electronics retailer (illustrative)
The agent works out that a customer is owed money on order 8841 and proposes refunding ₹14,200 to the original payment method. A rule marks refunds over ₹10,000 high-stakes. So the run parks instead of completing, and lands with the billing team lead, trace attached.
The agent still does the reasoning, the lookup and the paperwork. A human only sees the cases that cross the line they drew. That is the trade. And because approvals are idempotent, a lead who clicks approve twice still issues one refund.