Distrust is definitely part of it, "smarter than almost everyone" isn't quite an accurate statement (it is more widely knowledgeable for sure, but "understanding" is still under-defined sometimes).

Lack of imagination is also part of it I'm sure... looking at the silly things some people ask AI (tbh so do I though, out of curiosity) but failing to use it for what's truly important and where it can add value (this is what I try to pursue, mostly by just trying it a lot on anything, without stopping to think for myself).