If your child says they've learned their multiplication tables but they can't actually multiply any numbers you give them do they actually know how to do multiplication? I would say no.
For some reason people are perfectly able to understand this in the context of, say, cursive, calculator use, etc., but when it comes to their own skillset somehow it's going to be really different.
Well, yes?
What do you think "learning" means? If you cannot do something without the teacher, you haven't learned that thing.