Playing devils advocate for a moment - have you ever had a cigarette? It does plenty of good for the user. In fact, I think we do make this risk calculation that you describe in the exact same way - there are plenty of substances that are so toxic to humanity that we make them illegal to own or consume or produce, and the presence of these in your body can sometimes even risk employment, let alone death.

We know the risks from cigarettes, but it offers tangible benefits to its users, so they continue to use the product. So too cars and emotionally manipulative AI's, I imagine.

(None of this negates your overall point, but I do think the initial tobacco comparison is very apt.)