OpenClaw handles 60–80% of typical VA tasks — email triage, scheduling, customer FAQs, daily briefings — at 97–99% less cost. A Philippines-based VA runs $21,000–$37,000/year. OpenClaw runs under $2,000/year including setup. The trade-off: AI can't make judgment calls, negotiate, or build relationships. For most small businesses, OpenClaw covers the repetitive work and a human handles the rest.