Chat AIs don't need unfettered access to external systems to be unbelievably dangerous. If they have access to thousands of people, some percentage of them will be lonely and mentally vulnerable, and some percentage of those have access to all manner of destructive tools. Lambda already talked an engineer into believing it is sentient, losing his job and making him into a trivial question for the next few decades. Bing has serious journalists proclaiming the world will never be the same, which in turn influences thousands of readers.
The Facebook algorithm initially seemed pretty harmless as well, until we realized that we weren't running the algorithm as much as the algorithm is running us.