Being a million monkeys or not, it is a tool. The relevant definition for tool is:

something (such as an instrument or apparatus) used in performing an operation

That's not to say it's a good tool, or that it's a tool being used appropriately by many people. What even is appropriate use of AI?

Accountability should be definitely be properly assigned to the user. I've heard of tradies blaming their tools for shitty work, but I've never heard of one actually holding their hammer accountable..