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It wouldn't be too hard to set up a marketplace like that, but how do you know your bot is good enough to not accidentally bankrupt the business it's bidding on behalf of? Ads have this wonderful property that individual ads are pretty cheap. If you mis-bid to show an ad to someone not interested it won't cost you very much. Don't do it too often of course, but a few mistakes here and there are fine. In addition, they are bid on and delivered within a second or so at most.

Insurance is very different. Nobody is looking to insure the unit test they vibe coded late Friday afternoon, rather it would be the multi million dollar "we replaced all our accountants with a chatGPT based system" decisions. Getting one of those decisions wrong will absolutely be a problem for your AI-insurance company. In addition, in most cases you won't even know if you were right or wrong until many years later so you have to keep reserves locked up for much much longer.



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