PIGA for Everyone – 10 Rules. One Architecture

Personal AI systems increasingly combine language generation with connected tools capable of sending messages, sharing files, initiating payments, making bookings, changing records, and deleting data. Broad permissions and generic approval screens can collapse distinct rights into a single operational capability.

This publication presents ten consumer-facing non-equivalences and organizes them as one coherent governance architecture:

1. Draft is not Send.
2. Read is not Share.
3. Prepare is not Pay.
4. Compare is not Book.
5. One Authorization means One Attempt.
6. New Recipient means New Admission.
7. New Attachment means New Admission.
8. Content is Data—not Authority.
9. “Stop” must mean Revocation.
10. Archive is not Delete.

Gate 1 — Inference Admission — determines whether specified data may be accessed and processed for a bounded purpose.

Gate 2 — Action Admission — determines whether an exact result may create an exact external consequence for a defined recipient, file, amount, account, platform, purpose, and system state.

Authorization must remain specific, current, bounded, revocable, object-linked, and reconstructable. Material changes require re-admission. Single-use authority is consumed after at most one execution attempt. An unknown target-system status does not authorize a blind retry.

The publication translates the PIGA for Everyone — Complete Consumer Governance Architecture, Master Edition 2026 into a concise and citable consumer-governance statement for individuals, AI providers, banks, insurers, platforms, procurement functions, and consumer-protection institutions.

The central proposition is that people should not have to surrender authority in order to benefit from meaningful AI assistance.

No Authorization → No Inference.
Authorized Inference ≠ Authorized Action.
No Execution Authorization → No Action.