The MID Governor proposes changes to reserves, thresholds, descriptors, and website policies. It proposes — it does not apply. That distinction is the reason it survived contact with real compliance leadership.
Design lesson 1: separate proposal from application. The Governor writes a proposed change into a versioned queue. A human approves. Only then does the platform apply the change. The Governor is a co-worker, not an autopilot.
Design lesson 2: attach the evidence. Every proposal ships with the specific signal that produced it. The trend line. The peer comparison. The exact rule breach. Analysts should be able to defend the decision to a regulator without needing to reverse-engineer it.
Design lesson 3: make reversal cheap. Every applied change writes into a git-like history. Reverting is one click. This lowers the bar for approval — analysts are more willing to say yes when they know they can undo.
Six months in production tells you that autonomy is not the point. Accountability is. The Governor is trusted because it hands humans a decision they can defend.