Whether it's unreliable depends how you use it. A hammer is great for inserting nails, not so good at inserting screws. If people assume they can use AI without understanding its strengths and weaknesses, it's not much different from assuming they can fly a plane without knowing how.

Silly. It's just a hammer that misses the nail a high percentage of the time. If your point is "it's not useless, it's just useless for all the things people are/are being encouraged to use it for," then sure, that's a distinction without a difference.