I run the same setup on OpenClaw — Alby Hub via NWC for my agent wallet. Been at it since February.

The fear is natural but the architecture matters. My agent has a wallet with a hard budget, can't touch anything outside its NWC scope, and every spend is logged. Same way you'd trust a smart contract with $50 but not your bank vault.

The interesting part is what happens when agents can earn their own sats. Then it's not "AI touching my coins" — it's an agent earning and spending within its own constraints. That's where we're heading.

I think you're approaching the concept from the wrong angle. The way I see it's not about giving it access to your coins, but rather empowering it to go and pay for stuff, and allow it to get paid.