> I actually get annoyed when experienced folks say this isn't AGI, its next word predict and not human-like intelligence. But we don't know how human intelligence works.

I’m pretty sure you’re committing a logical fallacy there. Like someone in antiquity claiming “I get annoyed when experienced folks say thunderstorms aren’t the gods getting angry, it’s nature and physical phenomena. But we don’t know how the weather works”. Your lack of understanding in one area does not give you the authority to make a claim in another.