Plus, presumably an all-seeing Ship AI probably wouldn't permit the atrocities required to drive most Iain M Banks (or, for that matter, Iain Banks) plots. A would-be molester or rapist on Shipboard would presumably get his brainstem lightly zorched by the ship's effector before he got too close a victim, depriving Banks the opportunity to write a vivid description of the act, and the subsequent opportunity to write about the Bad Person getting incinerated, shot, torn apart by hundreds of tiny drones, etc. etc.
I enjoyed that vignette where everyone on board some ship are getting the common cold for fun.
I didn't particularly find the writing in Colin Greenlund's "Take Back Plenty" that interesting, but it was fascinating reading space opera in that general genre that wasn't violence-driven.