I mean... what do you think human therapists are doing. I'm sure they have empathy and do care for their patients... but it's definitely empathy-for-money too.
Feel free to pass over useful tech, but no need to disparage others for not wearing your tinfoil hat.
In light of all that it's hardly "chicken littling" to assume that hosted AI chat bots can't be trusted with intimate and personal details. The companies running them should be seen as inherently untrustworthy.