According to CoinMeta, as reported by Forkast, the main obstacle to the widespread adoption of proxy services is not a lack of technical capability, but rather a fundamental asymmetry in economic risks. Currently, merchants are required to bear all financial responsibilities resulting from proxy services (which are operated by software that they have no control over and cannot audit in real-time). According to Pymnts smart data from September 2026, 93% of merchants believe that AI or proxy service providers should bear the financial losses in case of incorrect purchases made through proxies. Faced with this risk, merchants exhibit predictable caution: only 28% of respondents are willing to provide their full product range to AI proxy services under the current terms. The existing payment infrastructure is unable to effectively handle these disputes, and there is a lack of clear criteria to distinguish between "proxy errors" and legitimate purchases authorized by cardholders. Since the platforms that enable proxy services operate without any responsibility under any network rules, merchants are forced to bear the costs of these disputes by default. This structural vacuum creates no economic incentive for the most capable AI providers to take steps to prevent such errors.