The latter is something we have no problem with in our culture. Every generation of artists do this. Every artist does this, in fact. It may be how creativity itself works, for all I know. But we never call it stealing, or when we do we say things like "great artists steal" and acknowledge it as a process rather than a problem.
It feels to me like when people make the "AI is stealing" argument, they're really arguing about something else and using this as a proxy for it. Not exactly sure what that other thing is. Fear of losing work and being displaced is the obvious one, and it's a valid fear. I share it! But, if that's what it is, I think we should be having that discussion directly, rather than talking around it. We always do the thing where we piss around talking about proxies, rather than going right to the agon.