The institutional framing around AI trading tools treats deployment risk as a future problem — something regulators and compliance teams will address once adoption matures. Retail deployment on r/wallstreetbets has already made that framing obsolete . Traders are using composite scoring APIs with real capital, and the community's implicit risk governance is the same as it has always been: personal loss tolerance and peer commentary, neither of which enforces position limits or detects correlated exposure across accounts.