Where do you personally draw the line between using AI as a tool and letting AI do the work for you?

This question gets surprisingly complicated.

Using AI to fix grammar? Most people seem fine with that.

Using it to brainstorm ideas? Probably fine

Using it to write the first draft? Depends who you ask.

Using it to do the entire assignment while you barely understand the topic? That's where most people would probably draw the line

But the line keeps moving

Calculators, spellcheck, Google and autocomplete were all seen as shortcuts at some point. Now they're just normal tools.

Do you think AI will follow the same pattern?

Or is there something fundamentally different about outsourcing actual thinking?