If you claim there's some "low but not zero" stakes application, I'd like to know what that is. I mean, it seems clear that if someone asks a GTP-3 customer service bot "so what should I do now", there's a reasonable probability that the bot would say "throw your product in the garbage and buy [competitor X]", since you can find that commentary on the Internet (true or not). That's not a life and death event but whatever stakes you have in that bot, it's thrown them away.
OpenAI knows GPT-3 is not sophisticated enough to perform medical diagnosis or analysis (anyone can look at how Watson failed), so it'd never approve such a risky application.
So why not this?
because probably in due time when building a model of that size becomes slightly more affordable someone with the 'move fast and break things' mentality will peddle a bot like this to customers and we'll find ourselves in a situation where this actually happens to a real person.