I'm not arguing those problems won't go away, or that it's any more or less than a tool. You can give me that much I hope. And you're right that I wouldn't pay a human for those, at least unless those would be recurring NPCs or something like that. I do commission background sets regularly because 1) the free/cheap/generated ones are usually on par with what I can make, 2) what I can make suffers a severe pizazz deficiency. Lotsa bang for a buck, too.
Yeah the best advice in nearly any endeavor is "hire the best expert you can afford and do what they tell you" and if you are paying artists for a campaign that is fuckin' awesome. No shade intended. The business model of all these AI companies, on the other hand, is "get people who would never pay experts to pay us because they don't believe in expertise."