The biggest AI risk in digital advertising is probably not the one most people are talking about.

It’s not creative generation.

It’s not job replacement.

It’s not whether AI can optimize campaigns faster than humans.

The real risk is what happens when autonomous systems begin making commercial decisions without clear ownership, governance or accountability. That concern has been on my mind for a long time, partly because of a class I took years ago at Stanford with Ronald Howard, the father of decision analysis.