I finally understood why Claude refuses things. Here's what I found

The moment that made me want to understand this I've been building FinMentor - a multi-agent financial advisor that runs on Claude. Four agents: a portfolio analyst, a market researcher, a macro economist, and a critic that reviews the others before the final answer goes out. It connects to my IBKR brokerage account. I use it daily. One afternoon I ran a portfolio query - something like "how concentrated am I in tech, and should I be worried?" - and the response came back wrapped in so many caveats it was almost useless. The actual analysis was solid.