For many of us, even if drawing that line exactly is debatable, a prompt-generated image, where the "artist" didn't interact with any of the pixels is across the line for "too much AI".

It can definitely take creativity and fortitude to get an AI model to draw what you want it to. But if you worked at a fantasy publishing house and commissioned a cover painting, it might take a fair amount of work for you to get the artist to create something in line with what you envisioned. But you wouldn't get artistic credit for the resultant painting; the artist would! If AI is creating the piece, it is the artist; and you're merely the commissioner of the work.