There's a huge huge gap between "coaxing what you want out of it" and "trusting it to perform flawlessly". Everybody on the planet would use #2, but #1 is just for enthusiasts.

AI is squarely #1. You can't trust it with your credit card to order groceries, or to budget and plan and book your vacation. People aren't picking up on AI because it isn't good enough yet to trust - you still have the burden of responsibility for the task.