Corporates must learn AI is dumb

My Microsoft 365 is a subscription service. In March it came up for renewal. I had lost and replaced my bank card. When Microsoft tried a debit it was unsuccessful. They were using details of a lost card. Realising this, I tried their system to enter the details of the new card, but system refused them, insisting I must use the lost card. I decided to make a call. No human beings to answer, just automated systems. I needed to explain, but the machines kept doing what they are programmed for. After several tries, I managed a number with a human being on the other side. The human being returned me to the automated system. Frustration! I returned to the website tried several options till I got where I could enter new card details and paid successfully. My problem is ascribed to over-reliance by corporates on AI systems. AI is as clever as the humans who set it up. On its own, it is dumb. Can corporates learn there are very simple things beyond the " intelligence" of AI?