The more money behaves like software, the more the decisive questions become legal and political rather than technical. Who is liable when a smart contract executes exactly as written and wrongly? How do sanctions and AML function when compliance is embedded in code rather than checked after the fact? What does systemic resilience mean when value moves at machine speed and a flawed rule can propagate across the system in a single run cycle? We will close the track with the question programmable money must answer to earn its licence: governance-by-design or not at all.