Most access programs are built around an event: a person leaves, someone runs a checklist, accounts get disabled. That works when there is a defined last day, a returned laptop and an HR record feeding an identity provider. The model has a gap that widens as agents start holding credentials of their own.
An employee who connects a coding agent to internal systems often creates credentials outside central single sign-on: personal access tokens, bot tokens from a personally created app, API keys copied from a shared pool. Disabling the identity provider account does not touch those. As one practitioner writeup puts it, when you disable the Okta account, those API keys do not get revoked, and they are still stored on the machine heading for the exit interview (Scalekit). An agent on a schedule does not need to decide to use a leftover key; it just runs.
CISA's Cyber Essentials frames access as something that needs limits, "just as those set in the physical work environment do," and says setting approved access privileges requires knowing who operates on your systems and with what level of authorization and accountability (CISA Cyber Essentials). For a machine credential, "who operates" is two facts: which agent holds it, and which human is answerable for it. If you cannot answer both from the credential record alone, you have an orphan waiting to be found during an incident.
The decision rule: treat offboarding as a fallback for exceptions, and make expiry the default. A credential issued for a three week integration should be dead in three weeks whether or not anybody remembered the contractor. Offboarding then only has to handle the credentials that were deliberately renewed, which is a reviewable list rather than an unbounded inventory.



