Unfortunately a lot of people are basically just hoping that by the time the big bill is due, they have cashed out and left the bill on someone else
I also think that even with expertise, people relying too much on AI are going to erode their expertise
If you can lift heavy weights, but start to use machines to lift instead, your muscles will shrink and you won't be able to lift as much
The brain is a muscle it must be exercised to keep it strong too