It is a pile of biases masquerading as an intelligent agent. To understand what it does you have to realize it is nothing but biases, biases that sometimes get the right answer, but that are more importantly parsed by your brain as if they are the right answer.

The training method it uses, trying to predict the next word in a text, is not just "not creative" but it is actively anti-creative. Picking the most likely word means that it generates a minimum-information text that is least likely to activate your bullshit detector. It takes a large amount of mental energy to resist its spell and if you falter for one minute it will get one past you and it is all over. If it did anything creative you'd say "What?" and question its intelligence. As it does the least meaningful thing it can do at every opportunity you are tricked into supplying meaning.