I see it kind of like baking/cooking. Do you bake your bread from scratch? Do you grow your own wheat and grist your own flour?
I think over reliance on it or not even trying to understand what is happening is a big problem to be sure, but it's certainly not a new problem.
Actually baking is a good example, I used to be really bad so I spent time learning. I don't do it every day but now I understand how bread is made. I bought a 3D printer so I could print parts to fix stuff myself. I learned to do my own oil changes, I learned how engines work, etc.
My point is that I try to learn more, not less, which is what AI is trying to achieve
And I would understand how to bake bread from scratch.
Now in the entire chain, we will get to a point where no one knows anything.