AI agents do not create risk only when they hallucinate or produce an inaccurate answer. They create risk when they take the wrong action. A single user prompt can move through an application, reach an agent runtime, call a tool, trigger an MCP server, and touch a downstream API. By the time the action happens, the original request may be several layers away from the system that actually changes data, sends information, or executes a workflow. That is the problem security teams now face.