AI代理决策失控，用户却无能为力，这已成社会性隐患。
Agentic Literacy Debt: A Structural Problem the AI Literacy Field Has Not Yet Named
- 提出‘代理素养债务’概念，指代理系统部署与用户素养脱节的结构性问题。
- 三重机制加剧债务：黑箱授权常态化、多智能体系统复杂化、制度路径依赖。
- 适合政策制定者、企业负责人及数字治理研究者关注，关乎公平与责任归属。
自主AI代理已在医疗、金融和职场中代为规划、决策和行动，常未经逐步人工审批。现有AI素养框架基于人类评估输出并决定是否执行的假设，缺乏对委托决策权但无法观测、回溯或控制代理行为的用户的描述。本文命名此问题为‘代理素养债务’：当代理系统大规模部署却未配套素养基础设施时，累积的社会性亏空。该债务通过三重强化机制（黑箱授权常态化、多智能体生态复杂化、制度路径依赖）不断增长，由部署机构承担成本，却由用户、患者和公民最终买单。医疗、金融欺诈与全球公平领域的证据表明，这一差距已具实质影响。该问题是结构性的，非短期滞后，需将AI素养重新定义为治理能力，而非单纯评估能力。
原文摘要 · Abstract (English)
Autonomous AI agents now plan, decide, and act on behalf of users across healthcare, financial services, and workplace contexts, often without step-by-step human approval. Existing AI literacy frameworks were built for a world in which humans evaluate AI outputs and decide whether to act; they have no vocabulary for the user who has delegated decision-making authority to an agent whose actions may not be observable, reversible, or controllable. This paper names the resulting problem agentic literacy debt: the accumulating societal deficit that grows when agentic AI systems are deployed at scale without corresponding literacy infrastructure. The debt compounds through three reinforcing channels (normalization of opaque delegation, multi-agent ecosystem complexity, and institutional path dependence), and it is incurred by the organizations that deploy agents but paid by the users, patients, and citizens on whose behalf the agents act. Evidence from healthcare, financial fraud, and global equity contexts suggests the gap is already consequential. The problem is structural, not a temporary lag that curriculum reform will close. It demands a reframing of AI literacy as a governance capability, not an evaluative one.
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