Decide once.
Enforced every time.
Your agent already proposes refunds, credits or account changes. A person still executes every one.
keep the queueEvery action waits.The agent drafts. A person finishes it.
or
hand it the keyEvery action runs.The tool can execute. Nothing says how much.
The third option: the owner decides the agent's authority once, and KIFF enforces it on every action.