hmm. its not that intelligence isnt all that its that most people dont know how to use their own intelligence let alone a disembodied one.
handing someone a flute is not a guarantee of ever knowing how to play it.
wrong conclusion due to wrong premise. the argument being made here I think is more akin to right tool for the job.
you dont need a PhD to change a lightbulb -- obvious. that doesnt mean you dont need PhD.
this is entirely operator dependent; lack of imagination, or a lack of capability; lack of disposition; or even lack of desire.
there are thousands of tools you can say that arent needed just because they dont apply to your particular domain of concern.
why hasn't fire cured cancer? why hasnt the hammer solved world hunger?
im sure there is a prompt which given the exact and precise instructions could generate one million dollars, its up to the practitioner to find it.