This paper introduces PHP-AIO, a five-gate sequential protocol for deciding whether organizational roles should be automated, augmented, hybridized, or preserved. It extends standard automation ROI with four systemic risks: tacit-knowledge erosion, reduced resilience, regulatory exposure, and degradation of socio-institutional capital. The protocol also defines an automation-debt measure, ρ(P), for risk accumulation across multi-step processes, with a regulator-mandated human-in-the-loop anchor as the neutralizing condition. According to the abstract, stylized role profiles produce differentiated decisions, and three of four representative cases remain robust when thresholds are increased by at least 14%.
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