You’re totally, technically correct and I apologise :)
Reading this back it seems I’ve had a kneejerk reaction to seeing the word “AI” slapped onto a basic chatbot. I appreciate that yes, by all metrics it’s an AI - yet it draws a parallel between this kind of Hello-World chat-bot and the current state of AI, which I felt is misleading. Like comparing a canoe to a cruise ship, you know?
You can in fact insure things that it is possible to steal. Cars, bikes, household posessions, you name it. It’s quite common.