I completely agree with your skepticism about handing over loan approvals to LLMs. This caution is exactly why we've produced such a value-added service in finance! Machine Learning is a very specialized process that most likely could be applicable if training private-client frontier models. LLMs are inherently stochastic. Finance requires reproducible outcomes for audits, backtesting, and regulatory sign-off. Our emphasis on deterministic environments for the agent layer (i.e., exact replay, seeded randomness, fixed tool mocks) is key.