ChatGPT is evolving far beyond its original role as a chatbot and is now taking shape as a one-stop application for everyday life. It is being used for work, studies, online shopping, and is even moving into payments with the launch of Instant Checkout. Platforms like Shopify and Etsy have already joined in, and investors on Wall Street are responding positively. At the same time, rising lawsuits, tighter parental controls, and debates over safety have started raising important questions. Is OpenAI leading a new wave of innovation or shifting the risks onto others? Palki Sharma explains.