It is weird that AI is solving hard problems for you. I can't get it to do the most basic things consistently, most of the time it's just pure garbage. I'd never pay for "AI" because it wastes more of my time than it saves. But I've never had a problem wrapping my head around a problem, I solve problems.
I'm curious what kind of problem your "brain cant wrap around", but the AI could.
In my case, Learning new stuff is one place I see AI playing major role. Especially the academic research which is hard to start if you are newbie but with AI I can start my research, read more papers with better clarity.
Which model are you using?
Sounds like you're not capable of using AI correctly, user error.