Should AI answer your customers on WhatsApp, or only help your team reply?

A question we debate a lot while building AIChatsHub:

Some business owners want the AI to handle everything, answering prices, sending product photos and taking lead details at 2am. Others only trust it to draft replies for a person to send.

Our approach so far: the AI answers from the business's own knowledge, and hands over to a human when the customer is ready to buy, asks for a person, or the AI doesn't know the answer. After each chat it shows the questions it couldn't answer, so you teach it once.

Where do you draw the line? Would you let AI talk to your customers directly?