For learning, I think having an Oreo cookie (using AI) is OK once in a while, especially if your hitting a wall and can't get through, but it's a really, I think, a very steep slippery slope that leads to avoiding the learning process altogether.
I remember as a co-op student spending three days solving a particularly subtle bug in a C-based word processor. My grit was rewarded. On day three, I vividly remember staring at the code and the solution just popped into my head. That was one of the most formative experiences in my earlier years as a developer and feeling of elation never left me. I worry that AI will take these moments, especially early in ones career.
Our brains have not changed in hundreds of years, and I agree that the in person experience is actually the best. Humans learn best from humans. I'm trying to learn French, and Duo has been sad for a few weeks due to my absence, but its not having the same effect on me if it were a human French teacher was was sad with me.
Regarding failing students, I personally had to take summer school twice and still ended up failing grade 12 and repeating the entire school year. Why? I was too focused on computers and nothing else. In retrospect, taking summer school and repeating grade 12 actually helped me catch up at time when the stakes were low. If I hadn't, I would have definitely failed later in life when the costs were higher.