The failure modes are different. An agent that deletes the wrong file causes immediate visible damage. An agent that outputs a guaranteed return, a clinical claim it can't support, or a sycophantic opener in a regulated context causes liability that surfaces weeks later in a compliance review.
The audit trail approach you've taken with HMAC on approvals is the right instinct for the action layer. The same logic applies to the output layer — you need to prove not just what was blocked, but that the check happened at all, against a specific versioned policy, at a specific time.
Good work on the blast radius simulation — that's the kind of deterministic pre-flight check that makes governance defensible.