This will cause cognitive debt anyway. As mentioned in https://arxiv.org/pdf/2509.21972v1: "When students rely on these outputs as a substitute for their own reasoning or critical engagement, the learning process is fundamentally compromised. Genuine learning requires the active construction of meaning, integration of knowledge, and reflective engagement with content. These processes cannot occur through passive consumption of syntactically correct but semantically hollow responses. Without this deeper cognitive work, learners risk mistaking linguistic fluency for understanding, thereby undermining the very goals of education".
Personally, I don't think we will ever be able to reconcile using LLMs and cognitive debt. Even before LLMs we were aware if it: we knew people moving to managerial/PM roles eventually get their coding skills rusted. Well, now we are all in those managerial roles...
Perhaps typing the code by hand means you are more deliberate and less likely to have the LLM produce thousands of lines of diarrhea.
What do you think would be the effect on people that already have the skills and abilities. The LLM would build these systems using the skills that are largely understood by the programmer but piece them in new ways suitable for the system. This could lead to new enmergent behaviors that are not understood by the programmer.
I still think that you can build this model in your head even with LLM's but I'm not sure neither one way or the other.