Some AI services are expected to be a jack of all trades, some are specialized.
Get an account with a web service? Sure, did that lots of times, now I have over a hundred passwords in a phone app.
Prepare to have a conversation on a specific topic? That's no different than walking into a shop and having a conversation with a specialist, face to face.
Not every service can easily determine that you're a complete moron who needs a lot of hand holding. Certainly not right away. But imagine you got questions about Win98, and you go to a chatbot whose specialty is FreeBSD. Even if the chatbot is polite, how long will the conversation go on before the chatbot recommends you go to a different chatbot, one who can actually answer questions about win98?
If you wanna train your own offline AI, good luck:
AI Hallucination is a good term to know.
If you actually read Wikipedia's entry that I linked to, you'll learn about jaw-dropping stuff, like how AI-prepared stuff is not admissible as evidence in a court of law.
I think it's more about attitude than digital mechanics: If you treat AI as a tool that helps you think things through, you'll get better results than if you treat AI as free labor that will do your thinking for you.
An AI can produce an image that portrays something that is historically and factually inaccurate. Extending the same idea, an AI service can be used to make an animation to be posted on Youtube.
Has anyone heard of thispersondoesnotexist . com ? A web site that generates faces, supposedly using AI. A few years ago, when I was on Discord, I had to lecture someone on the dangers of taking that web site's results as gospel. A couple level-headed users helped me deliver that lecture, so I think that kid finally realized the importance of taking stupid shit like that site with a grain of salt, instead of accepting incomplete and potentially dangerous information with alarming alacrity.