Consumer agents combine a new product pattern with the capabilities of a general assistant.
Productivity is not the point - this is a new way for people to use computers, and they're really really into it.
I know the dominant feeling in silicon valley is being totally misunderstood ("too early") and then immediately derivative ("everyone's working on that"), but I promise it's day 1 of wave 1.
Social, finance, self-improvement, degen and a thousand other agent categories are up for grabs .. so get creative and don't worry about being too late.