It is tremendously dissatisfying how many people use MSE as a source for homework/test answers. The issue behind what you talk about, i.e. how are homework questions received here, is one that is frequently asked around here.
There is an argument that being a repository where students can freely and easily cheat does a disservice to both the educational math community and the practicing math community. And this argument has merit, especially given how low the bar is set for asking questions here on average.
One potential response is for people to give out hints only to suspected homework questions. This has the extreme disadvantage of limiting that question's future appeal. Recall that a deeper goal of MSE is to provide a searchable repository of questions and answers. Each question can be useful to many different people, not just people who currently have a homework question about the topic. One of the amazing things about SO is how often I can look up a topic as a nonexpert and find an answer that completely and clearly answers my question. Hints are good for the OP, but not so good for others. An interesting solution to this is to later go back and edit your hints into a full solution. I haven't done this, nor have I seen it done, but it makes sense to me. (I'm not discouraging hints - I sometimes give them too - but I acknowledge that they do not improve the quality of the site. They will never be pearls, as I reference below).
But hints aren't the answer. There is an argument that says that the crime is the asker's and not the answerers'. This also has a lot of merit. But it is also an ethical dilemma. Did you know that at my undergrad, if a student cheats on another student during an exam by looking at their paper, both students are brought up to the student honor code advisory council for potential punishment? They believe that in general, students are aware of being cheated on and this is unacceptable. But at my grad school, only the cheater's offense is actionable. That is more cut and dried, and yet still has inconsistent treatment.
This side has the benefit of having a site full of complete answers rather than half-answered hints. And that is good! I, for one, have wanted to know something about differential geometry (likely as I use it, but have too many other things to do to merit really learning it instead of using much of it as a black box), found an answer that was hinted, and did not comprehend the hints. But this side has two major downfalls as well: it does nothing to discourage rampant cheating (as you mentioned) and encourages/rewards generic homework questions, which is another way of optimizing for sand instead of pearls. (I'd like to emphasize how good of a read that last link is. Reading it gave me a deeper understanding of the SE model and purpose).
This is a fundamental divide in approach to this site that has caused much heartache and even a few high-level departures from the site. To answer your question, there is no consensus (that I know of) about either distinguishing between self-study and homework or simply answering homework-style questions. The current status quo is for users to choose for themselves what is appropriate within reason. However, do not reward poorly written questions with no research effort (part of the hovertext for downvoting). Even homework questions can be well-written, and in fact any well-written well-researched question, homework or not, can lead to a pearl.