As Isaac Newton once said: “If I have seen further it is by standing on the shoulders of Giants”
You have valid concerns. But I’d like to think most people are leveraging AI to make something and thereby creating more than what they could on their own. There are two basic classes of users, and any one person can be one or the other or both at any time.
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Enhancing creativity and productivity. This is when you are already at expert at something, but need assistance in getting something done. Example: Using AI to help you write code, but then take the code and refine it to make it better, or fix errors that it made, but this effort is less than the time of coding it directly, thereby increasing your productivity.
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Creating something new, without expertise. This is when you aren’t an expert, but are willing to take the output of the AI and directly use it. Example: Have ChatGPT write code for you, and try to use is as-is without knowing if it should work or not.
Either case, you are standing on the shoulders of the Giant, and solving one problem would lead you to the next, and so on, so you are making progress faster.
But if you decide to be a non-expert at everything, and only rely on AI, then your results will be sub-par and you will be superseded by AI users that are already experts and can do it right.