I think there's a sliding scale in both cases. Vanilla prompting something like DALL-E 3 and uncritically accepting what it spits out is the AI equivalent of dime-a-dozen smartphone snapshots of the Eiffel Tower or an ocean sunset. But like your description of professional photography, there are more intricate AI approaches where an expert user can carefully select a model, a fine-tune/LORA, adjust the temperature or seed, inpaint or layer different elements, and of course have the artistic vision to describe something interesting in the first place.