Most SO answers tend to be near the correct way as they explain why they answered.

A good answer should also gove references as to why the answer is correct.

The gamification of the Stack Exchange sites is a double-edged sword, and I think it relies on an assumption about the effort threshold required to provide an answer.

Typing out an answer, even a wrong one, takes time and effort that the system then rewards through points and badges.

If you can just copy a question to Copilot and then paste the answer back, the effort threshold is likely then low enough that too many (or at least lots) of people will do only that in order to engage with the gamification and get points, rather than do it to try to help out the asker.