The question is a good one, but the psychologist is partly describing a problem with the tool itself rather than with AI. The thing is, any tool amplifies what you're looking for in it. If you're lazy - yeah, a neural network can make you even lazier because it removes friction. But if you use it as a helper to develop your skills, the result will be different.
The key here is **conscious self-limitation**. Try setting yourself some rules: for example, don't ask the chatbot for a ready-made solution, ask for help understanding it instead. Or use a neural network only after you've thought through the problem yourself. It works - plenty of people who are aware of this issue just make an agreement with themselves about their boundaries. It's also useful to ask yourself sometimes "am I actually outsourcing work or am I developing myself?" when you hit generate.
As for the fear in everyday life - I agree with what was said before: the danger isn't in the AI itself, but in how you use it. You could spend five hours watching YouTube videos and you wouldn't blame the algorithm - that's on you. Same deal with neural networks. No need to be afraid, but you should think about how you're using them.