It doesn't lack a personality. It just so happens that the personality is so close to your ordinary daily experiences that you don't perceive anything off. Try asking someone from a culture very different from yours.
I.e a person who has a wide depth and breadth of knowledge that can be called upon at a whim.
When I refer to personality I mean that ChatGPT makes my life worse since it doesn't understand me or my experiences. I want real-time fine-tuning where ChatGPT actually evolves to fit me personally and I want this for every user