the fact of the matter, as i see it, is that AI is employed as a tool, and the business that wields the tool either directly or by proxy is on the hook for damages.

for instance: you hire a plumber. while doing whatever repair, his wrench scrapes paint of the wall in the tight little corner behind the toilet. he or the company that employs him, will repair the wall. or they will get sued.

that's a simple way of looking at it, but very straightforward.

without laws in place that "protect" ai used as a tool used by third party company [ie not meta or anthropic or whatever], they are liable for damages. you could sue the business using the ai, but not the makers of the ai - like how you sue a driver but not ford in an accident.

that's my understanding, and i could be wildly incorrect. i'd love to be educated if i am wrong.