It can be even cheaper.
Midjourney, in case you appreciate their output, has an unlimited plan for 30$ a month. The only limitation is that if you're an extremely heavy user, they may "relax" you, which means results come in a bit slower.
Note that they've been also experimenting with a --beta parameter which basically means the algorithm uses StableDiffusion's algorithm behind the scenes, or you can use any of 4 versions of MidJourney's more stylistic algorithms.
So if you don't want to tinker or don't have a high-end GPU, it's a cheap way to play around. I have StableDiffusion running locally but still prefer MidJourney. I enjoy the stylistic output but it's also a highly social way to generate art. Everybody is doing it in the open.
Anyway, the stock art part is a hairy subject. You should assume that you AI image is not copyrighted. Which begs the question why they would pay at all.