Your AI agent wants your money back — and that could mean trouble for these companies

Personal AI agents like Instinct and Meta's Muse help users save money by identifying forgotten subscriptions, chasing refunds, and finding cheaper options, disrupting companies that rely on consumer inertia such as insurers, airlines, and subscription services. Following Muse's launch, shares of companies like Airbnb and Planet Fitness fell, reflecting market concerns about this shift.