Continual learning in artificial neural networks is fundamentally limited by the stability--plasticity dilemma: systems that retain prior knowledge tend to resist acquiring new knowledge, and vice versa. Existing approaches, most notably elastic weight consolidation~(EWC), address this empirically without a physical account of why plasticity eventually collapses as tasks accumulate. Separately, the distinction between sudden insight and gradual skill acquisition through repetitive practice has lacked a unified theoretical description. Here, we show that both problems admit a common resolution within non-equilibrium statistical physics. We model the state of a learning system as a particle evolving under Langevin dynamics on a double-well energy landscape, with the noise amplitude governed by a time-dependent effective temperature $T(t)$. The probability density obeys a Fokker--Planck equation, and transitions between metastable states are governed by the Kramers escape rate $k = (ω_0ω_b/2π)\,e^{-ΔE/T}$. We make two contributions. First, we identify the EWC penalty term as an energy barrier whose height grows linearly with the number of accumulated tasks, yielding an exponential collapse of the transition rate predicted analytically and confirmed numerically. Second, we show that insight and repetitive learning correspond to two qualitatively distinct temperature protocols within the same Fokker--Planck equation: insight events produce transient spikes in $T(t)$ that drive rapid barrier crossing, whereas repetitive practice operates at a modestly elevated but fixed temperature, achieving transitions through sustained stochastic diffusion. These results establish a physically grounded framework for understanding plasticity and its failure in continual learning systems, and suggest principled design criteria for adaptive noise schedules in artificial intelligence.

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