I agree, up until the question is how transparent the risks are.

For example, I think that OpenAI's system of incentivizing automated credit purchases borders on being predatory. Not because it would be hidden info. Just because the product is clearly aimed at consumers who do things that they might not fully understand.

For me, I don't habe any issues with their current design.

But for John Doe vibe-coding their nutrition analysis app, I feel it's wrong to advertise automatic payments and long-running tasks without providing a clear fee cap option.

It's similar to gambling.