Coca leaves are not a narcotic, when consumed in the traditional form (chewing or in brewed tea). Caffeine, tea, and tobacco are more addictive than chewing coca.
As you point out, coca leaves can be processed and refined to make cocaine. Analogous to how corn can be refined into high fructose corn syrup. Chewing corn all day won't give you diabetes, but drinking high-fructose corn syrup regularly will have negative effect on your health.