IBM frames this as a binary, but that's a false choice. Business rules are deterministic, auditable, and cheap to run—perfect for compliance and stable processes. AI agents excel at ambiguity, pattern recognition, and adapting to novel inputs. The real ROI question isn't "which wins," but "where's the decision boundary?" If you let an agent override a hard rule without a human-in-the-loop, you're building a liability. My take: start with rules for anything that touches money or legal, and let agents handle the fuzzy front-end. The video glosses over the cost of governance—that's where most pilots die. What's your threshold for trusting an agent over a rule? Full video link https://youtu.be/i1ZmNUbRGD4