Push traffic past capacity with no broker and watch the waiting room overflow and drop requests. Add a broker and the same spike is buffered safely — nothing lost — then add a consumer to drain it.
Push the rate past capacity and watch the waiting room fill, then start dropping requests — there is no buffer to catch the spike.
A broker is powerful, but it isn't free — it adds a hop and eventual consistency. For each operation in the contract-risk agent, decide whether it should stay a direct call (the user is waiting) or go through the broker (background, fan-out or long-running).