Most comparisons of these two stop at a feature list, which makes them look like near neighbours with a couple of extra boxes ticked. They are not. The gap is one of kind, and it shows up most clearly in what happens when the model gets something wrong.
When Meta AI misreads your spreadsheet, you read a wrong answer and discard it. The cost is a few seconds and a little irritation. Your Mac is exactly as it was.
When Muse misreads the same spreadsheet, it has already moved the files. The cost is whatever undoing that takes and unlike a bad paragraph, you may not notice for a week.
Same model, same mistake, completely different consequence. That asymmetry is not a footnote about risk. It is the reason the two products are shaped the way they are.
Work backwards from it and the rest of this page stops being a list and starts being a consequence. Muse asks for permission per area because it changes things in those areas. It confirms before sensitive steps because an unconfirmed send cannot be unsent. It meters in tasks rather than messages because a task is work performed, not text returned. It launched in one country because acting on someone’s behalf raises questions that answering a question does not. Meta AI needs none of that, which is why it reached most of the world in August while the agent was still in one market in September.
It also explains the habit that separates people who get value from an agent from people who get burned by one: read the plan before it runs, not the result after. With a chat assistant, checking afterwards is fine. With an agent, afterwards is too late to be checking.