Last weekend I was writing some quick notes in the Notes app, and I could not get it to stop performing nonsensical completions in blinking yellow text. Apple Intelligence disabled, predictive text disabled, various combinations of backspace escape etc. Nothing worked. How hard is it to code a Notes app that doesn't mess with you?
I had to factory reset my Mac because inexplicably Siri, Spell Check, and Apple Intelligence were "disabled by my admin." I have no MDM. I am my admin. I spent roughly a month delving through logs trying to resolve it.