This problem has been around since calculators were invented. But I do agree with you that it's a real issue: students not using their own brain, just relying on the artificial one.
That's why teaching methods need to evolve. They should be asked to show the prompts they used to understand the problem, and document the process. That's how you teach reasoning and how to use the tool properly.
For ex: I'm learning how to cook using ChatGPT, and with every prompt I learn something new and I understand more each time. But I still have to go to the kitchen and actually cook for my girlfriend. Same with students. They can use AI to learn, but they still need to step up to the board and solve a problem if they want to pass the exam.