>such as developing ransomware, that would previously have required years of training.

Even ignoring that there are free open source ones you can copy. You literally just have to loop over files and conditionally encrypt them. Someone could build this on day 1 of learning how to program.

AI companies trying to police what you can use them for is a cancer on the industry and is incredibly annoying when you hit it. Hopefully laws can change to make it clear that model providers aren't responsible for the content they generate so companies can't blame legal uncertainty for it.