Yes, except for the fact that any non-trivial saas does non-trivial stuff that an agent will be able to call (as the 'secretary') while the user still has to pay the subscription to use.
Yes, but now it's easier for other SaaS to compete on that, because they don't get to bundle individual features under common webshit UI and restrict users to whatever flows the vendor supports. There will be pressure to provide more focused features, because their combining and UI chrome will be done by, or on the other side of, the AI agent.
Also, having to retrain users to use a new shitty UI after they got used to the previous shitty UI is a major moat of many SaaS services. The user doesn't care about the web portal, they just want to get work done. Switching to a different web portal needs to be a big net positive because users will correctly complain that now they are unproductive for a while because the quirks and bugs of the previous SaaS don't match those of the new SaaS.
In a world where the interface is "you talk to the computer" you will be able to swap providers way more easily.
That's the brilliance of AI - it doesn't matter if the product actually works or not. As long as it looks like it works and flatters the user enough, you get paid.
And if you build an AI interface to your product, you can make it not work in subtly the right ways that direct more money towards you. You can take advertising money to make the AI recommend certain products. You can make it give completely wrong answers to your competitors.
