Often, there is no human involved, as a human may have his or her automated personal assistant conduct transactions on his or her behalf with other automated personalities.
Statement text from the data file published with the LessWrong 2020 assessment (https://www.dropbox.com/s/jmvciqv7u3rs7x5/Kurzweil_2019.tsv?dl=0), which splits the chapter into 105 statements. The source list repeats the preceding sentence as bracketed context; the context is not repeated here.