It harms you in the form of directly causing cognitive decline.
Just look at the way you have advocated for it within this very comment. You argue that it’s a valid “pressure release valve”, an avenue to seek solutions when you are otherwise frustrated.
Those moments, the ones where you have seemingly exhausted all possibilities, are the ones where your mind starts working. You are training yourself to interrupt the process. You can tell yourself this story about how you attempted to make an effort first, but the truth is your patience for that will get smaller every day.
And then what’s the plan? Why would I hire someone who is ultimately totally interchangeable with all the other prompters who can only forward what AI told them? Why would I give you a raise when I could just replace you with someone equally capable of reading off “AI solutions”?
Where are these “better employers” who will “probably” save you going to come from, and why would they bother? Is that assessment based on anything in particular? Why go to bat like this over something you can only call “mostly okay” for particularly small tasks?