I think the tricky bit is that AI companies make money off the collected works of artists, regardless of user behaviour. Suppose I pay for an image generator because I like making funny pictures in Ghibli style, then the AI company makes money because of Ghibli's work. Is that ethical? I can see how an artist would get upset about it.

On the other hand, suppose I also like playing guitar covers of songs. Does that mean artists should get upset at the guitar company? Does it matter if I do it at home or at a paid gig? If I record it, do I have to give credit to the original creator? What if I write a song with a similar style to an existing song? These are all questions that have (mostly) well defined laws and ethical norms, which usually lean towards what you said - the tool isn't responsible.

Maybe not a perfect analogy. It takes more skill to play guitar than to type "Funny meme Ghibli style pls". Me playing a cover doesn't reduce demand for actual bands. And guitar companies aren't trying to... take over the world?

At the end of the day, the cat is out of the bag, generative AI is here to stay, and I think I agree that we're better off regulating use rather than prohibition. But considering the broader societal impacts, I think AI is more complicated of a "tool" than other kinds of tools for making art.