Spending judgement where it matters: how we structure AI-native delivery

A few weeks ago I wrote about cognitive debt : the slow loss of judgement that comes from letting a model think in your place. The natural question that follows: how do you use these tools seriously, at full speed, without paying that price? Here is my answer, after a year of building a production fintech this way. It isn&#x27;t using the tools less. It isn&#x27;t trying harder to stay alert,…