代理素养债务：AI素养领域尚未命名的结构性问题
Agentic Literacy Debt: A Structural Problem the AI Literacy Field Has Not Yet Named
AI总结：
本文提出“代理素养债务”概念，指出自主AI代理大规模部署时，用户因缺乏监督能力而面临累积性社会赤字，并从医疗、金融等案例论证其结构性本质。
摘要：
自主AI代理现在能够在医疗、金融服务和工作场所等场景中代表用户进行规划、决策和行动，通常无需逐步获得人类批准。现有的AI素养框架是为人类评估AI输出并决定是否采取行动的世界而构建的；它们没有词汇来描述那些已将决策权委托给代理的用户，而代理的行为可能不可观察、不可逆转或不可控制。本文命名了由此产生的问题——代理素养债务：当代理型AI系统在没有相应素养基础设施的情况下大规模部署时，不断累积的社会赤字。这种债务通过三个强化渠道（不透明委托的正常化、多代理生态系统的复杂性以及制度路径依赖）复合增长，由部署代理的组织产生，但由代理所代表的用户、患者和公民承担。来自医疗、金融欺诈和全球公平领域的证据表明，这一差距已经具有重大影响。该问题是结构性的，而非课程改革能够弥补的暂时滞后。它要求将AI素养重新定义为一种治理能力，而非评估能力。
英文摘要：
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.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
