Yeah but life is not an optimization problem, and you can't take that extra million with you when you die, so spend it how you want to, not how some algorithm tells you you should. (until ML algorithms take over the world and we're forced to slave away in the code mines for Roko's basilisk, anyway)

If ChatGPT and Stable Diffusion are fun and exciting to you, and you see their potential rather than get mired in their downsides, the least you could do for yourself is to move to product manage projects in that sphere, even without a PhD in the area.