You can always ask it to nudge you in the right direction instead of giving the solution right away. I suspect this way of using it is not very popular though.
This is not a new problem I think. How do you use Google, translator, (even dictionaries!), etc without "degenerating" your own abilities?
If you're not careful and always rely on them as a crutch, they'll remain just that; without actually "incrementing" you.
I think this is a very good question. How should we actually be using our tools such that we're not degenerating, but growing instead?