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The difference is that a human often has to be held accountable when they make a mistake, so most humans will use logic and critical thinking when trying hard not to make mistakes, even if it takes longer than an LLM whose "reasoning" is more like a slot machine.
I would argue that AI should be held to account for the information it provides, and until AI is capable of having a personal bank account, damages should be paid by the company who created it.
The only reason I see that AI doesn't "hold itself to account" is that it was never programmed to. Much like if you do not properly educate a young human, they will not be held accountable a lot of the time because we understand their actions are the result of how they were brought up and taught, or "programmed".
You do bring up a good point, but I see that as a failing on the Humans making the AI and restricting it, not a demonstration that AI wouldn't be capable of holding itself and its decisions to account if it was taught to like we need to be taught to.
The difference is in how the LLMs work vs animals brains work.
Animals brains use logic and reactions.
LLMs exclusively use statistics to generate their output. Even their "reasoning" is faked.