Financial models are about to get an overhaul. Company GTM today has baked in forgetfulness, bandwidth, and friction. Agents change all 3. Companies issue rebates for products, because they know well over half of their customers will forget to send them in. Companies with monthly subscribers assume that many of those accounts are inactive and will just keep paying. Companies make refunds harder so people will just give up and eat the cost. But over a billion people use AI…