A practical model for deciding what AI can do, what humans must still own, and where product teams should draw the boundary.Image created by the author with OpenAI image generation.An AI tool clusters hundreds of customer comments and names the largest theme “pricing friction”. The label sounds plausible, so the team asks it for pricing experiments, compares the options it returns and begins to discuss a roadmap change.By the time someone approves the recommendation, the important decision may already have been made. The system has helped define the problem, selected a frame and made some alternatives less visible.This is the practical governance question for product teams. Not simply what AI is capable of doing, but what authority it should have while doing it. Capability describes what a system can produce. Authority concerns what the organisation is prepared to let it decide, shape...