When you're up against a deadline - and unless you're very good at time management you're frequently up against a deadline - it's going to be an irresistible lever to pull.
In times past, cheating would mean copying an answer off the Internet or off a friend, both of which are easy to detect. More sophisticated cheaters might spend an hour rewriting the solution to make it less obvious they cheated, but at some point the cost of cheating (time + risk of getting caught) starts exceeding the cost of just doing the assignment. AI changes this - you get a customized answer that doesn't show up in a database with no extra work.
The thing is, students fail to realize just what using AI robs them of. Struggling with the assignment is the entire point. You don't learn if the assignments are too easy; you need to have some challenge to push your brain to understand the material more deeply and to build those pathways to apply the knowledge in novel ways. You become more efficient and effective over time as that knowledge settles in and you get more proficient - one of the reasons why time-bounded exams still make sense (being fast is also a proxy measure for understanding).
Of course many people in a competitive environment will click the autosolve button if available. This is a reason to think how to redesign the system so that the approach we want is the reasonable choice, not to look with superiority at those who fall prey to the danger.
Now the barrier to an answer is zero. They are basically watching a YouTube video on how to X, seeing step by step instructions feeling like they are doing it, and the moment they swing a real hammer they are whacking themselves in the crotch. It might get better after a few years, but this stuff is just now hitting mainstream for the masses. ChatGPT has only been in mainstream use for about 3 years.
Not sure what the solution is - there's no possibility of stopping students using AI to complete their homework/assignments etc. But let me flip the question - do they need to be stopped? Why not let them fail at the exam? As long as the exam acts as a filter, their usage of AI to "cheat" their learning is inconsequential to anyone but themselves.