No. We use ChatGPT to get real work done. Another group is using AI Art.
Also no to ChatGPT sprung up overnight. That effort has been in the works for decades.
I won't be installing and testing till next month for self hosted AI. Here's a few more opensource alternatives: redpyjama, openassistant, Pythia. Granted they are not GPT4 but they hold their own vs gpt3.5 in most benchmarks.
And they run on your PC, even on a raspberry pi (granted not very fast).
One of future tests will be with https://github.com/pashpashpash/vault-ai where we'll supply our code to said AI and see what we can learn about our code base.
For now I'm watching https://www.reddit.com/r/ChatGPT/ since my initial feedback here about AI+ML was negative.
-> About your hosted AI and liability. For now the last discussions I've read is it's the same liability as social media sites. So if you have a web site you already know what to do about this.