Subliming
Somebody in the comments points this out and he gets annoyed with this as some sort of literary device to not do the hard transhumanist work or something.
Which is odd, as subliming is fine as if this wasn't there humans minds and mind minds could do a singularity style intelligence explosion afterwards you couldn't describe things because of the singularity style event. And Banks wrote science fiction which is always about humans, and not 'the period after beings become so powerful we cannot really tell what is going on anymore as the increase of intelligence has reached infinity'
Subliming sidesteps this problem because it wants to be interesting fiction, and not weird gobbledygook of incomprehensible alien minds. Yud basically forgets that The Culture is science fiction written for real human beings who live now.
Tweet (Xcancel) from Ed Zitron: "This report is damning. Goldman Sachs's Head of Global Equity Research doesn't believe that generative AI is capable of solving complex problems, and says the tech industry "is too complacent in its assumptions that costs will decline substantially"", more in the quote tweet.