that there's a pretty common distinction between providing "legal/financial/medical advice" and providing general information, even if the latter is about legal, financial, or medical topics.
the problem isn't the disclaimer, it's that chatbots often give said professional advice in a manner which would get a human sanctioned/prosecuted if they did the exact same thing, c.f. a bill my state senator is working on: https://www.nysenate.gov/newsroom/press-releases/2026/kristen-gonzalez/ny-state-senator-kristen-gonzalez-her-bill-address-ai