Creating a derivative work of a copyrighted image requires permission from the copyright holder (i.e., a license) which many of these services do not have. So the real question is whether AI-generated "art" counts as a derivative work of the inputs, and we just don't know yet.
>b) often has explicit licensing and therefore intent on its usage
It doesn't matter. In the absence of a license, the default is "you can't use this." It's not "do whatever you want with it." Licenses grant (limited) permission to use; without one you have no permission (except fair use, etc. which are very specifically defined.)