Diverse human groups produce diverse ideas, the raw material of innovation. Generative AI challenges this engine twice over: everyday AI assistance may homogenize what diverse people create, and AI-simulated diversity may replace the people altogether. We tested both challenges in a preregistered creative metaphor experiment with native (L1) and non-native (L2) English writers, who wrote without AI, with AI-generated ideas (AI ideation), or with AI refining their own ideas (AI refinement). L2 writers contributed more collective diversity than L1 writers, with native-language ideation showing the most diverse pools. AI ideation compressed collective diversity for everyone and left the L2 advantage undetectable, whereas AI refinement preserved both. We then simulated the entire writer pool using personas built from participants' real backgrounds, three model families, native-language prompting, and elevated sampling temperatures. Every simulated pool fell below every human pool, and pushing models further induced diversity only through degenerate text. However, at the individual level, AI ideation raised writers' ratings, pitting private incentives against the collective good, except when L2 writers used their native language, which benefited both. Human diversity remains a valuable creative resource that current AI cannot simulate or sustain; the design of human-AI collaborative workflows determines whether it survives.
Recent studies reveal a paradox: AI enhances individual creative outputs while reducing collective diversity. Current explanations -- cognitive offloading and over-reliance -- identify symptoms but not mechanisms. We propose selective metacognitive adaptation: routine AI use redistributes rather than uniformly diminishes metacognitive effort. Some capacities are amplified (partner modeling, surface control), while others are systematically under-supported (originality evaluation, reflective integration). This redistribution explains both individual satisfaction and collective convergence. We present a taxonomy of six metacognitive capacities organized by temporal phase, characterize their tendencies under routine AI use, and show how individually rational adaptation produces emergent social costs. The framework generates specific predictions for researchers and design principles for practitioners seeking to preserve both individual creative satisfaction and collective creative diversity.