There is no way without the protections that could be afforded by regulation to offer such wide-ranging uses of the product without also accepting significant liability. If the range of "foreseeable misuse" is very broad and deep, so is the possible liability. If your marketing says that the bot is your lawyer, doctor, therapist, and spouse in one package, how is one to say that the company can escape all the comprehensive duties that attach to those social roles. Courts will weigh the tiny and inconspicuous disclaimers against the very large and loud marketing claims.
The companies could protect themselves in ways not unlike the ways in which the banking industry protects itself by replacing generic duties with ones defined by statute and regulation. Unless that happens, lawyers will loot the shareholders.
Recall: "As part of our 'treat adult users like adults' principle, we will allow even more, like erotica for verified adults," Altman wrote in the Oct.