I tried AI music for the first time today and I can definitely see why people say it feels bland, because it does. But most of what's on the radio today feels bland to me too. You're right - I don't really care if the track playing in my favourite cafe is AI-generated or not. You're not supposed to be emotionally invested into background music, it's music for a simple purpose and for most people, AI can fill that purpose as well as a human. Licensing fees is also a great point, human music royalties are complex and expensive, while AI generated music is a monthly subscription at most.
I can't say I fully agree with you on video game/movie soundtracks, but I think AI generated assets will make game development more accessible, especially for solo developers or small teams.
So I'd just say listen to what you like, see where technology leads us. I don't think human creators will be put out of buisiness any time soon, but they might get competition especially in 'functional' music.