If you say OpenAI will only approve applications for "zero stakes", domains, then you are saying what the parent is saying - it's entirely for entertainment.

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.