An organization's AI risk committee is debating whether to implement a 'human-in-the-loop' or 'human-on-the-loop' oversight model for their AI-driven medical diagnosis support system. Which statement BEST describes the key risk difference between these two approaches?

B is correct because human-in-the-loop (HITL) places a human decision point before consequential AI action is taken, meaning the AI provides a recommendation but a human must approve before it takes effect. Human-on-the-loop (HOTL) allows AI to act autonomously while a human monitors and can override, meaning harmful AI actions may occur before the human intervenes. For a medical diagnosis support system, HITL provides stronger patient safety guarantees. A is incorrect; the approaches differ meaningfully in risk. C is incorrect; for high-stakes medical decisions, HITL is generally preferred precisely because the stakes are high. D is partially true but not the key difference.